Best Mortgage Refinance Companies in Apple Valley

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Barstow Team logo
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License Verified:

License: 247123

Nationwide Multistate Licensing System and Registry

Barstow Team

420 Barstow Road, Barstow, CA 92311
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  • Reverse Mortgages

Business Description

The Barstow Team is part of GEM Mortgage and serves the refinancing needs of individuals and families in Apple Valley. The team of mortgage professionals assists borrowers in refinancing existing loans to cash out or change rates and terms. These professionals guide homeowners through the process of switching to options such as ARMs, Fannie Mae loans, and portfolio and investor products. GEM Mortgage has been operating for more than 25 years and was named the 2016 Scotsman Guide Top Mortgage Lender.

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License: 247123

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.
4.6
Facebook
4.6 / 5 (22)
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.
5.0
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Bobadilla Finance Team Home Loans logo
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License: 1660690

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Bobadilla Finance Team Home Loans

28200 CA-189 F-240 #17 and #18, Lake Arrowhead, CA 92352
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  • New Construction

Business Description

Bobadilla Finance Team Home Loans has been providing mortgage refinancing options to customers in Apple Valley for over 23 years. Its team members work with clients planning to refinance their existing mortgage loans or buy a home by offering USDA, FHA, VA, conventional, and jumbo loans. They consult borrowers to address their specific needs and concerns. Branch manager Derek Bobadilla provides a comprehensive approach by analyzing his client's financial situation and setting a plan to help them achieve their long- and short-term monetary goals.

License Verified:

License: 1660690

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 (46)
Yelp
5.0 / 5 (16)

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
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EZ Home Loans logo
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License Verified:

License: 1950173

Nationwide Multistate Licensing System and Registry

EZ Home Loans

12061 Jacaranda Ave Suite 2B, Hesperia, CA 92345
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  • Reverse Mortgages

Business Description

EZ Home Loans is a mortgage brokerage agency that serves buyers and homeowners in the Apple Valley area. It assists clients looking to refinance existing mortgages to get lower rates and trim monthly payments. It develops customized lending options based on the assets and liabilities of the borrower. It offers fixed-rate, adjustable-rate, interest-only, and graduated payment mortgages for different loan types, including HARP, FHA, and VA. EZ Home Loans also provides special home loans for manufactured homes and borrowers with low credit scores.

License Verified:

License: 1950173

Nationwide Multistate Licensing System and Registry

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.
4.0
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Lendco logo
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License: 2102237

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Lendco

17100 Bear Valley Rd B 214, Victorville, CA 92395
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  • New Construction

Business Description

Lendco serves homeowning Apple Valley residents. It offers an array of mortgage refinancing options, including VA cash-out, FHA 203(k), and conventional. Niche loan programs, such as Hard Money and Non-QM are available. The company also provides home buying loans, such as Jumbo, FHA, and USDA. Lendco owner Julio Hernandez has more than 20 years of experience in mortgage financing. Julio and his team strive to deliver loan products particularly developed for local borrowers and help clients pick the ideal option to meet their needs.

License Verified:

License: 2102237

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 (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
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Megan Mezin logo
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License Verified:

License: 2066093

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Megan Mezin

14250 Seventh St., Victorville, CA 92395
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  • New Construction

Business Description

Megan Mezin is a mortgage loan originator who assists clients in Apple Valley and the surrounding areas. Megan works at Alaska USA Mortgage Company, offering mortgage refinancing loans. She provides various loan products and guides clients in selecting the loan program that suits their needs. These loan options include conventional, fixed-rate, FHA, VA, jumbo, and ARM. Alaska USA Mortgage Company is owned by Alaska USA Federal Credit Union. It has multiple offices, including one in California, three in Washington, and ten in Alaska.

License Verified:

License: 2066093

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 (6)
Yelp
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
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Detail
Miguel For Mortgage logo
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License: 1203937

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Miguel For Mortgage

16000 Apple Valley Rd., Bldg. C5, Ste. 9, Apple Valley, CA 92307
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  • New Construction

Business Description

Miguel For Mortgage accommodates first-time homebuyers, real estate investors, and those looking for second homes in Apple Valley and its nearby areas. The agency offers a variety of residential loan options, such as 203k, FHA, adjustable rates, jumbo, USDA, and 15-and 30-year fixed mortgages. It helps customers lower their monthly payments through its cash-out refinance program. Founder and loan officer Miguel Guerrero assists clients throughout the home refinancing process, including comparing mortgage rates and evaluating properties.

License Verified:

License: 1203937

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.
4.2
Google
5.0 / 5 (10)

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
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Mojave River Mortgage logo
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License Verified:

License: 1884727

Nationwide Multistate Licensing System and Registry

Mojave River Mortgage

9113 SVL Box, Victorville, CA 92395
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  • New Construction
  • Reverse Mortgages

Business Description

Mojave River Mortgage serves Apple Valley customers planning to refinance their loans. Its refinancing services cover mortgages for various home types, including single-family and multifamily residences, townhouses, and condominiums. The firm offers different loan types, such as jumbo, conventional, VA, USDA, and FHA. It gives borrowers access to the Loanzify app, which guides them throughout the mortgage process and connects them to a loan officer and real estate expert. The firm has funded over $150 million in loans.

License Verified:

License: 1884727

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 (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
Paramount Residential Mortgage Group, Inc. Victorville logo
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License: 1300963

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Paramount Residential Mortgage Group, Inc. Victorville

12180 Ridgecrest, Suite 112, Victorville, CA 92395
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  • New Construction

Business Description

Paramount Residential Mortgage Group, Inc. Victorville serves individuals and families in the Apple Valley community. It offers various FHA, VA, and USDA loan programs, as well as Fannie Mae and Freddie Mac conventional products. It has a team specializing in non-QM options, like qualifying bank statements, foreign national assistance, and interest-only amortizations. Regional manager Frank Castanos has been with PRMG since 2005. The firm is a nationally recognized lender with over two decades in service.

License Verified:

License: 1300963

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Regal Mortgage of the High Desert logo
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License: 164497

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Regal Mortgage of the High Desert

17260 Bear Valley Road Suite 104, Victorville, CA 92395
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  • Reverse Mortgages

Business Description

Regal Mortgage of the High Desert helps individuals obtain their dream homes through refinancing services in Apple Valley. It offers a variety of programs including FHA, VA, and USDA loans. Jumbo, renovation, and CalPATH or PATH home loans for teachers, firefighters, policemen, and state employees are also available. In addition, the company has energy-efficient mortgages and down payment assistance programs. It has been providing mortgage refinancing solutions based on clients' short-term and long-term goals since 1990.

License Verified:

License: 164497

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.
4.3
Google
4.8 / 5 (5)
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
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Detail
Rilma Fontenot-Marvel logo
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License Verified:

License: 1857972

Nationwide Multistate Licensing System and Registry

Rilma Fontenot-Marvel

11846 6th St, Rancho Cucamonga, CA 91739
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  • New Construction
  • Reverse Mortgages

Business Description

Rilma Fontenot-Marvel, a loan officer at Citiwide Funding, assists clients with mortgage refinancing needs in Apple Valley. She helps individuals choose from VA, FHA, USDA, jumbo, and conforming loans. The firm offers fixed-rate and adjustable-rate mortgages, with terms ranging from five to 30 years. It also provides HECM reverse mortgage loans that allow homeowners to convert their home equity into cash. Fontenot-Marvel has over 18 years of experience in the finance industry. She aims to guide and educate clients throughout the refinancing process.

License Verified:

License: 1857972

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
Victory Home Mortgage & Realty logo
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License Verified:

License: 1866428

Nationwide Multistate Licensing System and Registry

Victory Home Mortgage & Realty

Victorville, CA 92392
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  • Reverse Mortgages

Business Description

Victory Home Mortgage & Realty helps clients realize their dream of homeownership using various products, investment tools, and solutions in Apple Valley. The firm offers mortgage refinancing options, including FHA, VA, USDA, jumbo, and conventional loans, to meet the needs of local borrowers and obtain better rates and terms. Additionally, it has programs for fixed-rate, adjustable-rate mortgages and hybrid options for individuals who are planning to purchase or refinance homes. A client commended the team for closing a loan in less than 30 days.

License Verified:

License: 1866428

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 (56)

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
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Frequently Asked Questions

What should you expect when refinancing a mortgage?

When refinancing a mortgage, expect to answer a lot of questions and provide documentation to back up your answers. You'll may also pay fees and closing costs of around $5,000. Additionally, expect to start over in terms of building home equity, because refinancing takes the amortization process back to the beginning.

How often should you refinance your mortgage?

There is no recommended frequency for refinancing a mortgage. How often you should refinance is determined by when it will save you money. If you can get better terms on your mortgage by refinancing, then it’s a good time to take action.

Can you refinance a first mortgage and not a second?

You can refinance your first mortgage and not the second one, but it can be difficult. You have to get the lender of your second mortgage to agree to the refinancing. The process is called resubordination, and some home equity lenders won’t agree. Additionally, lenders typically charge extra fees to resubordinate a loan.

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