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Best Mortgage Refinance Companies in Apple Valley

2024

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Providers

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

Why choose this provider?

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
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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
Google
5.0 / 5 (103)

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.
2.3
Responsiveness
Friendliness
Helpfulness
Detail
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Website
28200 CA-189 F-240 #17 and #18, Lake Arrowhead, CA 92352
  • New Construction

Why choose this provider?

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 (49)
Yelp
5.0 / 5 (19)

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

Why choose this provider?

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
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Website
Victorville, CA 92392
  • Reverse Mortgages

Why choose this provider?

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 (58)

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
420 Barstow Road, Barstow, CA 92311
  • Reverse Mortgages

Why choose this provider?

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.

License Verified:

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.
4.7
Facebook
4.7 / 5 (35)

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

Why choose this provider?

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.
5.0
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
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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

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

Why choose this provider?

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.
4.9
Facebook
5.0 / 5 (6)
Google
4.8 / 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.
  • What types of investment properties can qualify for cash-out refinance in Apple Valley?

    Cash-out refinance loans provide an option for real estate investors in Apple Valley to access funds from different types of investment properties, such as residential rentals and commercial properties. Property owners can leverage the value of their investment properties to access funds for improvements or diversifying their real estate portfolio.

  • What are the steps involved in the refinance process in Apple Valley?

    A refinance process in Apple Valley starts with an application for a new loan. Gathering necessary documents like income proof and debt records, similar to your first mortgage. After application submission, your loan officer reviews your credit history, financial details, and previous loan terms. An appraisal is usually ordered to confirm property value and equity. The process involves steps like application, interest rate lock, processing, underwriting, appraisal, and loan closing.

  • What is the credit score requirement for a conventional mortgage refinance in Apple Valley?

    A credit score of 620 or higher is generally required for a conventional mortgage refinance in Apple Valley. This score serves as a measure of your creditworthiness and financial stability, allowing lenders to assess your eligibility for refinancing. Maintaining a credit score at or above this threshold enhances your chances of securing favorable terms and rates for your refinance.

  • What is the typical duration for obtaining a mortgage in Apple Valley?

    The timeframe for obtaining a mortgage typically falls within the range of 30 to 60 days. This duration covers the various stages involved, such as the application process, the assessment of your creditworthiness, and the finalization of the closing. Nevertheless, note that unique individual circumstances and specific property details could lead to variations in this timeline.

  • Are you required to pay mortgage insurance when you refinance in Apple Valley?

    Yes, in many instances, if your refinance leads to a new loan amount exceeding 80% of your home's value, mortgage insurance might be obligatory in Apple Valley. Yet, if your refinance results in a conventional loan with a loan amount below 80% of your home's value, you might not need mortgage insurance. It's essential to consider these thresholds during your refinance evaluation.

  • 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.