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Find Mortgage Refinance Companies in Flagstaff, AZ

Directory of mortgage refinance companies in Flagstaff, Arizona. Verify credentials with the state state mortgage licensing authority before hiring.

18 agents listed
Updated June 2026
Flagstaff, AZ
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the State Mortgage Licensing Authority of Arizona before hiring.
Showing 18 mortgage refinance companies in Flagstaff, AZ Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Tylan Mortgage
205 E Flat Rock Ridge, Flagstaff, AZ 86001
(928) 890-4350 tylanmortgage.com
PrimeLending, A PlainsCapital Company - Flagstaff
1600 W University Ave #112, Flagstaff, AZ 86001
(928) 779-9500 lo.primelending.com
Guild Mortgage Company
601 Piccadilly Dr #75, Flagstaff, AZ 86001
(928) 699-7215 branches.guildmortgage.com
Kyle Kent - Licensed Mortgage Loan Officer
23 S Beaver St Suite 1, Flagstaff, AZ 86001
(928) 308-0368 kylekent.vipmtginc.com
Benchmark Mortgage - The Hallows Team
824 W Rte 66 Suite A3, Flagstaff, AZ 86001
(928) 707-8572 chrishallows.benchmark.us
Shyann Eckel Mortgage Lender
1750 Railroad Spring Blvd #8, Flagstaff, AZ 86001
(480) 223-3273 intercaplending.com
Guild Mortgage - Kristen Smith
601 Piccadilly Dr #75, Flagstaff, AZ 86001
(928) 699-7215 branches.guildmortgage.com
Alisa Carlson Intercap Lending
1750 Railroad Spring Blvd #8, Flagstaff, AZ 86001
(928) 853-2839 intercaplending.com
Fairway Independent Mortgage Corp. - Flagstaff
1600 W University Ave Suite 204, Flagstaff, AZ 86001
(928) 212-8244
Kim Dawson - NOVA Home Loans
5200 E Cortland Blvd Suite E 120, Flagstaff, AZ 86004
(928) 310-6458 kimdawson.novahomeloans.com
Rich Rucker Team at Wallick & Volk
2321 N Fourth St, Flagstaff, AZ 86004
(928) 556-5578 wvmb.com
Karen Flores at CrossCountry Mortgage
1338 W Forest Meadows St #130, Flagstaff, AZ 86001
(877) 773-1226 ccm.com
Fairway Independent Mortgage Corporation
421 N Humphreys St, Flagstaff, AZ 86001
(928) 396-3100
Mountain Country Mortgage
2076 S Woodlands Village Blvd # 201, Flagstaff, AZ 86001
(928) 226-6908 mountaincountrymtg.com
NOVA Home Loans
5200 E Cortland Blvd Suite E 120, Flagstaff, AZ 86004
(928) 440-0010 flagstaffoffice.novahomeloans.com
Lindsey Scheel - Legend Mortgage, Inc
223 N San Francisco St ste 105-d, Flagstaff, AZ 86001
(602) 509-5195 legendmortgage.com
Kelly Gibson - Peoples Mortgage Co
1016 W University Ave Suite 105, Flagstaff, AZ 86001
(928) 607-5626 peoplesmortgage.com
Kim Dawson - E Mortgage Capital, Inc
1120 W University Ave 2nd Fl #218, Flagstaff, AZ 86001
(928) 310-6458 emortgagecapital.com

Mortgage refinance companies in Flagstaff help homeowners lower their interest rate or change loan terms. Arizona law requires lenders to provide a Loan Estimate within three business days of application. Flagstaff property owners often refinance to adjust for local market conditions or to switch from an adjustable to a fixed rate mortgage.

What Does a Mortgage Refinance Company in Flagstaff Cost?

Typical costs for a mortgage refinance in Arizona include an origination fee of 0.5 to 1 percent of the loan amount, an appraisal fee of 400 to 700 dollars, and title insurance costs of 800 to 1,500 dollars. Closing costs generally range from 2 to 5 percent of the loan principal. This is general information and not mortgage or financial advice.

* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.

Frequently Asked Questions

What documents do I need to refinance a mortgage in Flagstaff?
You typically need recent pay stubs, tax returns, bank statements, and proof of homeowners insurance. Arizona lenders also require a property appraisal to confirm the home value.
How long does a mortgage refinance take in Arizona?
A standard refinance in Arizona usually takes 30 to 45 days from application to closing. Delays can occur if the appraisal or title work takes longer than expected.
Are there Arizona specific laws for mortgage refinancing?
Yes. Arizona Revised Statutes Title 33 governs deeds of trust and foreclosure procedures. Lenders must follow federal Truth in Lending Act rules and provide a three day rescission period after closing.

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