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2024

Last updated:

Best Mortgage Refinance Companies in Alhambra

Our Recommended Top 14

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Alhambra Mortgage Refinance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

58

Reviewed

40

Curated

14

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
Alhambra, CA
  • Reverse Mortgages
  • New Construction

Why choose this provider?

JK&Associates guides clients in the Alhambra metro through the process of obtaining loans. It helps people who wish to lower their interest rates and monthly payments, change their loan terms, or withdraw cash from their home's equity by providing them with various refinancing options. These include fixed-rate, adjustable-rate, FHA, VA, and jumbo loans. The company also assists seniors aged 62 and older in applying for reverse mortgage loans. JK&Associates offers its services in English and Korean.

License Verified:

License: 827871

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
5.0 / 5 (9)
Google
4.3 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1055 E. Colorado Blvd., Ste. 500, Pasadena, CA 91106
  • Reverse Mortgages

Why choose this provider?

Sierra Capital Mortgage Company serves refinancing homeowners in Alhambra. Its loan officers assist with various scenarios, including lowering the interest rate, switching to a fixed-rate mortgage, consolidating two mortgages, and cashing out on equity. It also offers conventional, VA, and FHA loans for homebuyers. It strives to simplify the process by leveraging its network of lenders to find refinancing options tailored to the client's goals. The company has been operating since 1996. Loan officers Linda and Roland Wilcox have over 50 years of combined experience.

License Verified:

License: 327610

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (68)
Google
5.0 / 5 (24)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
17744 Sky Park Circle, Suite 270, Irvine, CA 92614
  • New Construction

Why choose this provider?

Supreme Lending California is a full-service mortgage provider with a nationwide reach that serves homeowners in Alhambra. The company aids borrowers in replacing their existing loans with new mortgages to secure lower rates, achieve shorter term, and cash out equity. It carries a variety of refinancing programs, including USDA, VA, or FHA streamline products, rate-and-term refinance loans, and cash-out options. Supreme Lending has been operating since 1999 and has more than 350 branches across the country.

License Verified:

License: 2129

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
San Gabriel Valley, CA 91770
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Ryan Ku-Borden is a loan originator with Ohana Mortgage Solutions who caters to clients in the Alhambra metro and the surrounding areas. He helps homeowners pay off their existing mortgages with a new loan by offering refinancing options. These allow clients to reduce their monthly payments, reduce interest rates, or change their mortgage terms. Ku-Borden provides various loan programs, such as adjustable- and fixed-rate, conforming, jumbo, FHA, and USDA loans. He holds an MBA degree.

License Verified:

License: 2116713

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
305 Pasadena Ave., South Pasadena, CA 91030
  • Reverse Mortgages

Why choose this provider?

The Huntington Group has been serving Alhambra residents since 1991. The company helps homebuyers find, apply for, and acquire lending options like conventional loans and reverse mortgages. Its mortgage professionals also cater to current mortgagors. They help them refinance their existing loans for benefits like cash or consolidate current debts. The company also serves clientele with mortgage challenges, such as credit score issues and time restraints. It keeps client information private throughout and after the application process.

License Verified:

License: 359061

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (38)
Google
5.0 / 5 (16)
Facebook
5.0 / 5 (6)

Website
Alhambra, CA
  • New Construction

Why choose this provider?

Ivy Lending serves clients in Alhambra and the neighboring cities. It assists homeowners seeking to refinance their mortgage to lower their payments, change their loan terms, or cash out from their home equity to fund other projects or purchases. Its team guides borrowers throughout the process of selecting and securing the right loan product from its wide selection of products. These include conventional, FHA, VA, adjustable-rate, and non-QM loans. Ivy Lending also provides various tools on its website, including a pre-qualified form for pre-approval letters.

License Verified:

License: 2129406

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
217 W. Las Tunas Drive, San Gabriel, CA 91776
  • Reverse Mortgages

Why choose this provider?

Victoria Financial Corp. is a mortgage banker delivering refinancing solutions to the residents of Alhambra. It aids mortgage borrowers in saving money by developing refinancing programs with zero processing costs, competitive rates, and flexible terms. Its consultants assist homeowners throughout the refinancing process, from benefits analysis and document preparation to funding. They can serve clients in Mandarin Chinese, German, and Taiwanese. The company has been operating since 1989 and operates mainly using a referral-based business model.

License Verified:

License: 328196

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Yelp
4.5 / 5 (105)
Google
4.5 / 5 (13)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1241 Grand Avenue, Unit B2, Diamond Bar, CA 91765
  • New Construction
  • Reverse Mortgages

Why choose this provider?

FP Mortgage caters to homebuyers and owners as well as residential property investors in Alhambra. It offers various home loan options, such as adjustable-rate mortgages, fixed-rate mortgages, and cash-out refinancing loans. Its team assists in finding the ideal loan for clients' scenarios, including those of self-employed homebuyers. As a mortgage broker, it is able to shop for rates and terms from multiple lenders. FP Mortgage aims to close loans within 30 days. It is also licensed to serve borrowers in Colorado, Florida, Nevada, and New Jersey.

License Verified:

License: 262515

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (35)
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
117 S Garfield Ave, Alhambra, CA 91801
  • New Construction

Why choose this provider?

AAA Lendings has been catering to residential property owners and homebuyers in the Alhambra community and the surrounding areas since 2002. It employs mortgage brokers and loan officers to assist clients planning to refinance their existing home mortgages. The professionals also guide clients in navigating various mortgage programs, such as HELOC, No-Doc, Jumbo, FHA, VA, and DSCR loans. AAA Lendings draws on its more than two decades of home loan experience when working with clients.

License Verified:

License: 295075

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.6 / 5 (21)
Facebook
5.0 / 5 (7)
Yelp
2.5 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Hacienda Heights, CA 91745
  • Reverse Mortgages

Why choose this provider?

Since 2013, Comres Mortgage has been helping Alhambra residents and those from nearby areas obtain loans to purchase their principal residences, second homes, or investment properties. It also refinances existing mortgages for borrowers seeking to change the terms or lower their interest rates and monthly payments. By providing a cash-out option, the company enables clients to use their homes’ equity for personal ventures. Comres Mortgage tailors its products to fit homebuyers’ needs and guides them throughout the loan process.

License Verified:

License: 1764841

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (15)
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
99 Pasadena Ave #10C-A, South Pasadena, CA 91030
  • Commercial Loans

Why choose this provider?

Journey Mortgage Advisors provides financing solutions to clients in the Alhambra metro. The lending company offers refinancing services for individuals who are looking to lower their interest rate and monthly payment or modify the term or length of their mortgage. It has a selection of loan options, including 15-year fixed, 30-year fixed, adjustable-rate, FHA, VA, and jumbo loans. The team also offers 203K, USDA, and reverse mortgages. Journey Mortgage Advisors has been in the lending industry for over 20 years.

License Verified:

License: 1907238

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (11)
Google
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1123 North Allen, Pasadena, CA 91001
  • Reverse Mortgages

Why choose this provider?

Delaware Pacific is a mortgage brokerage firm serving clients in Alhambra and surrounding communities. The firm offers information on a variety of mortgage refinancing options including cash-out, guiding homeowners who want to reduce their monthly payments, consolidate high-interest debt, or pay off their loans faster. It also assists those seeking to secure financing for fixed-rate mortgage, FHA, VA, USDA, jumbo, and rehab loans. Delaware Pacific handles first-time homebuyer, low down payment, and investment property loans as well.

License Verified:

License: 1162393

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
4.6 / 5 (45)
Yelp
5.0 / 5 (39)
Google
5.0 / 5 (36)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
2360 Huntington Drive Suite 308, San Marino, CA 91108
  • New Construction

Why choose this provider?

Valhalla Home Loans has mortgage and refinancing programs for homebuyers in the Alhambra community. The company refinances current obligations to reduce the hassles of fulfillment. Its team has programs for first-time purchasers and those who have less favorable credit ratings. Jumbo mortgages are also on hand for individuals who are less risk-averse and wish to invest in high-value assets. Valhalla Home Loans maintains online mechanisms that facilitate remote transactions and reduce the need for paper.

License Verified:

License: 1009781

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (2)

Website
1055 E. Colorado Blvd, Suite 500, Pasadena, CA 91106
  • Reverse Mortgages

Why choose this provider?

First Kings provides personalized mortgage solutions to customers in Alhambra and nearby areas. It offers refinancing solutions to those who want to reduce interest rates, get lower monthly payments, or change loan terms. It has fixed-rate and adjustable-rate mortgages and different loan types, including conforming, jumbo, super jumbo, FHA, VA, and USDA. First Kings is an independent loan brokerage firm that allows clients to have access to multiple lenders based on their needs and unique situations.

License Verified:

License: 1935679

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (21)
Yelp
5.0 / 5 (20)
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    Refinancing a mortgage can be a complicated process, and hiring a mortgage refinancing broker can make it simpler and faster. There are several things you can do to protect your interests and help your broker complete the process for you.

    Check a potential broker’s online reviews to find one with a good reputation. In addition to the opinions of past clients, check to see if a broker has an online portfolio, which can support the reviews you find from past clients to show a broker’s trustworthiness. This can also help you establish if a broker has handled financing for properties similar to yours.

    Get a written summary of a broker’s rates before committing so you know exactly what hiring your chosen mortgage refinance broker will cost. Find out which lenders work with your broker and what information they need to successfully refinance your mortgage.
  • When should Alhambra residents refinance to a long-term loan?

    Alhambra residents should consider refinancing to a long-term loan if their current mortgage terms involve high monthly payments. This is because applying for a long-term loan often reduces financial pressure for borrowers by increasing their payment period. It also allows them to lower their monthly payments and effectively allocate their budget for other residential projects.

  • What usually happens during the underwriting process in Alhambra?

    Borrowers in Alhambra can expect the underwriters to perform thorough assessments of their title and property. During underwriting, they are also asked to submit paperwork, including bank statements, tax returns, pay stubs, and form W-2s. This process usually takes a week since underwriters need ample time to confirm an individual's creditworthiness.

  • Can Alhambra residents apply for mortgage refinancing more than once?

    Yes. Alhambra residents can apply for mortgage refinancing more than once if it improves their financial situation. Those who undergo refinancing multiple times often want to avoid monthly mortgage insurance payments and lower their interest rates. However, this should be done carefully since it can lead to other consequences, like prepayment penalties, high closing fees, and lower credit scores.

  • Can you negotiate with Alhambra-based lenders to lower your refinance closing costs?

    Yes. You can negotiate with Alhambra-based lenders to lower your refinance closing costs. Borrowers should look at their loan estimate document to identify the services and closing fees they can change or shop for. Most of the time, they can usually negotiate home inspection, title insurance, credit report, and settlement fees.

  • Are real estate agents allowed to ask for kickbacks from mortgage lenders in Alhambra?

    In Alhambra, real estate agents who demand kickbacks from mortgage lenders are committing violations under the Real Estate Settlement Procedures Act. This statute prohibits real estate agents from requesting fees in exchange for mortgage referrals. Victims of RESPA violations should immediately file a report to the Consumer Financial Protection Bureau at 855-411-2372.

  • How do you refinance a mortgage?

    Decide why you’re refinancing, such as to get a lower interest rate, pay off your loan faster, or to get a lower monthly payment. Share your credit information with your broker along with information about the equity you have in your home. Review your mortgage refinance broker’s quotes and choose the best loan terms.