Refinance Your House & Mortgage Today!

When you refinance your mortgage, you are taking out a new loan to pay off and replace your existing loan. This is usually done to accomplish one of several things:

CASH-OUT REFINANCE
  • Pull cash out of your home’s equity to remodel, complete major home repairs, pay off debts, or invest in other things
  • Convert from an Adjustable Rate Mortgage (ARM) to a Fixed Rate Mortgage
LOWER YOUR RATE
  • Secure a lower interest rate and reduce your monthly payment to save money
  • Change the length of your loan so you can pay it off more quickly
HELOC
  • Access the equity in your home with a Home Equity Line of Credit (HELOC)

Why Choose TILA?

Welcome to TILA Mortgage, where our licensed loan officers are committed to you and the highest standards of ethical lending. TILA Mortgage Loan Advisors will guide you through the entire process of refinancing, buying or a reverse home mortgage on your home. We will listen to your current situation to understand your specific needs and goals and will customize a solution just for you.

HUNDREDS OF 5-STAR REVIEWS

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Celine LaPierre
19 days ago
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The Most Efficient Mortgage Experience I've Ever Had: Closed in Just 3 Weeks! I recently completed the refinance of my home, and I couldn't be more pleased with the experience. Ryan made the entire process incredibly easy and stress-free. What impressed me most was the speed and efficiency from start to finish. This was my third home financing experience, and I have never worked with a lender or loan officer as efficient and responsive as Ryan and the team at Tila. We closed in just about three weeks, which exceeded all of my expectations. When Ryan initially told me he was aiming to close by the end of September, I honestly thought that timeline was a bit ambitious. However, he delivered exactly as promised. We began the process during the second week of September and successfully closed on September 30th. Throughout the process, Ryan was knowledgeable, communicative, and an absolute pleasure to work with. Everything was handled seamlessly, and I always felt informed and supported. I would use Tila again without hesitation and highly recommend them to anyone looking for a smooth, efficient mortgage or refinancing experience. Thank you, Ryan and the entire Tila team, for everything you have done for me!
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Don Smith
68 days ago
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Just finished up a HECM reverse mortgage loan with TILA Mortgage. We dealt with Bill Duffy, the owner from the start. First off, what owner of a successful company, actually deals personally with their customer. Bill does. He walked us through the process from start to finish. He helped us select the best program for us, and was involved from beginning to end. Things moved along swiftly and no surprises. There's a reason TILA is so highly rated. It's Bill Duffy. Just a regular guy who enjoys helping people, and does what he says he will. If there was a higher rating, I'd give it to him. Thanks Bill.
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Tim
181 days ago
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As first time reverse mortgage clients we had our reservations about applying for the loan when we decided we wanted to use the equity in our home for our retirement, as we had planned...after speaking with Dave Wilson our trust in the process increased dramatically...he constantly assured us we were making the right decision as he professionally walked by our side.. we highly recommend Tila Mortgage to anyone in our situation to proceed without reservations, because they will be in good hands. Tim and Marie Rogers
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Carol Bert
215 days ago
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I worked with Dave Wilson on my reverse mortgage. He is efficient, friendly, and extremely helpful and knowledgeable. And also was always readily available. I highly recommend Dave.
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Dolores Johnson
217 days ago
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My experience with Tila Mortgage could not have been better. The entire process took much less time than I had anticipated, and Dave Wilson was a delight to work with. He was extremely patient, clear, thoughtful and professional. My reverse mortgage has given me the relief and security I needed. I highly recommend Tila Mortgage and Dave Wilson!
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Wayne Johnson
293 days ago
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Excellent local mortgage company to work with for our mortgage needs. Bill Duffy was easy to work with, very personable, presented us with several usable solutions for our needs. Worked patiently with us over a period of time and stayed in touch with no pressure, just support for the right decision for us. Quick & nimble process to finish.
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Wayne Yerkes
311 days ago
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I worked with them on my Reverse Mortgage. Bill Duffy and the team were great, very informative and responsive to my questions and the process. Bill worked with me to tailor my Mortgage to my needs.
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Cameron Jackson
328 days ago
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Ryan Richen is the man! Jumped through hoops I didn't even know existed. Got the numbers where they needed to be and much more. Cannot say enough. Amazing.
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George Bold
415 days ago
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Working with Dave Wilson and Tiffany Noel was a real pleasure. It was a painless experience for my refinance. I would recommend them to anyone.
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Tom Jensen
732 days ago
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Bill Duffy and Tiffany Noel did an excellent job of guiding us from our initial inquiry about a Reverse Mortgage right through Closing. We were provided with relevant options, our questions were answered clearly, and our ongoing communication with them was equally clear and always prompt. I will not hesitate to recommend them to friends and family.

Why Would I Want to Refinance?

Reasons why you might want to consider a mortgage refinance: 

  • Lock in a better interest rate
  • Consolidate debt
  • Reduce risk with a shorter term
  • Free up cash

TILA Mortgage has the top refinance mortgage products available in the market today. With lower interest rates and reduced closing costs, our home refinance programs can help improve your financial situation. Let us help you select the best mortgage refinance product for your needs.

DETAILS

Better Interest Rate: This helps you save money either immediately by lowering your monthly payment, or over the life of the loan if you combine the lower interest rate with a shorter loan length. 

Debt Consolidation: Interest rates on consumer debts are typically higher than those on home loans, so refinancing to consolidate debt can save you a lot of money on interest – not to mention the convenience of making one simple payment a month. When you refinance, you take out some of the equity in your home to pay off recurring obligations, and often the amount of your new refinanced mortgage is less than the combined total of all your previous debt payments.

Reduce Risk: There are a couple of ways to reduce risk through refinancing. First, you may switch from an Adjustable Rate Mortgage to a more predictable Fixed Rate Mortgage. You may also choose to reduce the length of your loan, allowing you to pay off your mortgage and get out of debt more quickly.

Free Up Cash: This type of loan is used when consumers have equity in their home that they want to use for a variety of reasons. These may include remodeling or completing major home repairs, paying for college, making a down payment on another property, or purchasing a personal asset like a car or boat.

Young couple in front of house

How Much is My Home Worth?

Wondering how much money you could save by refinancing? With interest rates still near all-time lows, now is the time to consolidate debt, complete that remodel, and secure a predictable low monthly payment on your mortgage.

Whether you are thinking about pulling cash out to potentially sell your house, its critical to have a solid estimate of what your home’s value is.

Why choose TILA Mortgage for your refinance loan?

Our licensed loan officers are committed to you and the highest standards of ethical lending. We believe that our customers are our primary focus and our goal is to always exceed your expectations.

LEARN MORE AND MEET OUR TEAM

Do I Qualify?

TILA Mortgage is a DBA of Hometown Lenders, Inc. Our experts are committed to helping you qualify for a great loan at a great rate.

Call (206) 737-1715 now for a free consultation or get a rate quote by email. From Seattle to Tacoma, and Bellevue to Spokane, we serve all of Washington State.

We’re standing by ready to help you, too. Learn more about our complete loan process here.

*TILA Mortgage does not guarantee that your debts will be lowered by a specific amount or percentage or that you will be debt-free within a specific period of time.  A debt consolidation may increase your monthly cash flow, but may increase the amount of your debt over a period of time by including the additional debt in your mortgage amount, which is financed over a longer period of time than the debt consolidated may have been financed.  We encourage all consumers to do their own research, and examine their options carefully before selecting a particular course of action.

5 Easy Steps:

Have initial conversation with a TILA Mortgage Specialist

Discuss options and choose the best loan product

Complete your loan application

Appraisal, title, credit, and processing

Final signing and loan funding