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Best Mortgage Refinance Companies in Bakersfield

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Accelerated Lending Group logo

Accelerated Lending Group

5100 California Avenue, Bakersfield, CA 93309
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  • Reverse Mortgages
  • NMLS #: 39166

Located in Bakersfield, Accelerated Lending Group is a full-service mortgage company that services the state of California. It provides home refinancing options for different properties, such as single-family homes, multi-family homes, manufactured homes, condominiums, and townhouses. Refinancing programs that it offers include FHA Streamline, FHA Cash Out, FHA 203k, VA Streamline, and USDA Streamline loans. It also offers private or hard money loans and down payment assistance. Accelerated Lending Group promises to close on clients' loans in as fast as 15 days.

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Agape Mortgage logo

Agape Mortgage

5001 California Avenue, Suite 200, Bakersfield, CA 93309
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  • Reverse Mortgages

Agape Mortgage is a locally owned and operated company that serves the residents of Bakersfield and the surrounding areas. Its team of professionals helps clients cash out, consolidate debt, or pay off their mortgages faster through a variety of loan refinancing options. It provides refinancing solutions for both adjustable-rate mortgages and fixed mortgages. The company also offers conventional, FHA, VA, and HomePath loan programs for home buyers. Agape Mortgage has been in operation for almost two decades.

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Ampak Real Estate & Loans logo

Ampak Real Estate & Loans

1430 Truxtun Avenue, Bakersfield, CA 93301
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  • Reverse Mortgages
  • NMLS #: 39166

Ampak Real Estate & Loans is a mortgage refinance company servicing homeowners in Bakersfield and the greater California area. It caters to several kinds of borrowers including those with disadvantageous credit reports, low FICO scores, and low debt-to-income ratios, as well as those seeking to grow a family in a newly refurbished home. The company's loan services consist of conventional VA, FHA, and jumbo loans. For qualified applicants, a pre-qualification letter is forwarded within two hours after sufficient briefing. The company has been operating since 1995.

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Arturo Esparza logo

Arturo Esparza

5055 California Ave Ste 100, Bakersfield, CA 93309
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  • Reverse Mortgages

Arturo Esparza is a producing branch manager affiliated with Golden Empire Mortgage, Inc., who offers his professional services to clients in Bakersfield and nearby communities. He helps clients choose a loan financing solution that works best for their needs. He offers a number of mortgage options, such as FHA loans and fixed and adjustable rate mortgages. GEM loan programs are also available, such as the Platinum Program that allows clients to combine a 30-year FHA loan with a 3 percent grant.

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C2 Financial Corporation logo

C2 Financial Corporation

5401 Business Park So Suite122, Bakersfield, CA 93309
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  • Reverse Mortgages

C2 Financial Corporation is a full-service mortgage company serving homebuyers in Bakersfield. Its loan experts help clients with their real estate financing needs by offering a range of refinancing options, including FHA streamline, VA cash-out, FHA cash-out, conventional, and jumbo. They also perform loan pre-qualifying services and assist in the loan process for clients interested in cashing out or looking for a better rate. These professionals have been serving the community for more than 30 years.

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Clarity Home Loans logo

Clarity Home Loans

5060 California Ave Suite 1090, Bakersfield, CA 93309
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  • New Construction

Clarity Home Loans is a finance company in Bakersfield that caters to the needs of individuals in and around the metro. It assists clients in refinancing mortgages for their properties by structuring them to have a lower interest rate and potentially receive some cash from it in return. Branch manager, Chasity Young helps navigate mortgage processes and cut through the red tape for clients, such as first-time, second-time, and move-up homebuyers. It also aids investment buyers in securing low-rate financing to maximize their ROI.

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Cornerstone Mortgage logo

Cornerstone Mortgage

4560 California Ave #300, Bakersfield, CA 93309
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  • New Construction

Cornerstone Mortgage offers various financial solutions for the mortgages of Bakersfield’s residents, such as first-time homebuyers and individuals settling into retirement. Its loan programs include mortgage refinancing, where its financial consultants help clients lower their payments. Cornerstone Mortgage also considers customers’ financial situations to help them plan and reach their long and short-term financial goals. An equal housing lender, the company has been operating for over 25 years and is knowledgeable about policies surrounding FHA and VA loans.

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Dan Ardis logo

Dan Ardis

8501 Camino Media, Bakersfield, CA 93311
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  • Reverse Mortgages
  • NMLS #: 39166

Dan Ardis is a Bakersfield-based mortgage lender who has been leading his own mortgage refinance company, San Joaquin Valley Mortgage, for over 15 years. Ardis offers borrowers access to the financial services of various refinance leaders in the area. He provides several lending options, including refinancing, home purchase, and reverse mortgage. He also handles conventional, FHA, VA, hard money, and commercial loans. Veterans, first-time homebuyers, investors, credit-challenged buyers, and commercial investors can benefit from Ardis' refinancing options and programs.

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Karpe Real Estate Center logo

Karpe Real Estate Center

8501 Camino Media Ste 400, Bakersfield, CA 93311
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  • Reverse Mortgages
  • NMLS #: 39166

Karpe Real Estate Center has specialized in home mortgage refinance in Bakersfield since 1926. It offers various traditional refinancing loan options, including conventional, FHA, and VA loans, through its partner company, San Joaquin Valley Mortgage. Its user-friendly mobile app enables potential clients to obtain instant quotes, calculate their monthly mortgage payments and closing costs, complete an online loan application, and directly contact one of its experienced loan officers. Karpe Real Estate Center also handles residential and commercial real estate.

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Level One Financial logo

Level One Financial

1620 Mill Rock Way #100, Bakersfield, CA 93311
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  • New Construction

Level One Financial is a mortgage broker that serves clients in Bakersfield and its nearby areas. The broker, which partners with more than 30 lending institutions, has over 40 years of combined experience specializing in home refinancing, conventional loans, FHA loans, and VA loans. Its professionals help clients with home refinancing to lower their payments, get cash out, and consolidate debts. Scott Hanson, the company's CEO, has been in the real estate industry since 1996.

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Marcus C. Harris logo

Marcus C. Harris

10800 Stockdale Highway Suite 202, Bakersfield, CA 93311
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  • New Construction
  • Reverse Mortgages
  • NMLS #: 39166

Marcus C. Harris is a mortgage professional who serves clients in Bakersfield. He assists first-time homebuyers, existing homeowners, and veterans who are looking to cash out on equity and refinance. He guides them through the application and approval process of the Accelerate Program. He helps borrowers in finding the loan product that fits their needs. Harris and his team have handled millions of home loan transactions. He has received awards for service and financial excellence.

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Mariner Finance Bakersfield logo

Mariner Finance Bakersfield

3603 Coffee Rd. Suite 200, Bakersfield, CA 93308
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  • New Construction

Mariner Finance Bakersfield caters to clients in the metro. Its mortgage refinancing service helps homeowners get better terms on their property loans. The company works to consolidate several mortgages, get lower interest rates, and decrease monthly payments. It also offers new loans for first-time homebuyers, such as conventional, FHA, and VA mortgages. In addition, clients can get the firm's help with securing loans for renovations, weddings, cars, and vacations. Mariner Finance Bakersfield is one of 480 branches nationwide.

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Paramount Residential Mortgage Group Inc. Bakersfield logo

Paramount Residential Mortgage Group Inc. Bakersfield

4900 California Avenue Offices 20 & 27, Bakersfield, CA 93309
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  • New Construction

Paramount Residential Mortgage Group, Inc. Bakersfield provides property financing options. It helps homeowners acquire and refinance their living spaces by offering in-house documenting, funding, processing, and underwriting services. It guides clients in applying for loan programs such as FHA, VA, and USDA. Borrowers with credit scores as low as 550 qualify for FHA and VA loans. It issues renovation loans such as FHA 23K limited and standard mortgages. Fannie Mae and Freddie Mac are available. The business has been serving the metro for over a decade.

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Signature Home Lending logo

Signature Home Lending

4200 Truxtun Ave., Ste 104, Bakersfield, CA 93309
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  • Reverse Mortgages

Signature Home Lending offers solutions to customers that are looking to buy, sell, or refinance homes in the Bakersfield metro. It helps clients find a refinancing program that will lower their payments, consolidate debt, and build equity. The company provides conventional, VA, and FHA loan programs. Its team assists customers in choosing a product based on their employment and credit history. Kraig Gradowitz, the branch owner of Signature Home Lending, has more than 25 years of experience in the lending and real estate industry.

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Team Windes logo

Team Windes

4801 Calloway Drive, Bakersfield, CA 93312
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  • Reverse Mortgages
  • NMLS #: 39166

Team Windes is a mortgage refinance company serving clients in Bakersfield and the surrounding areas since 2004. The company is headed by the husband-and-wife team of Todd and Sasha Windes and offers a range of options to homeowners, such as FHA, VA, and first-time homebuyer programs. It also offers mortgage refinancing options like FHA streamline and cash out, as well as VA streamlines and cash out. Fixed-rate mortgages, adjustable-rate mortgages, and interest-only mortgages are also available.

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The Estrada Team logo

The Estrada Team

4900 California Avenue, Bakersfield, CA 93309
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  • New Construction

The Estrada Team offers mortgage refinancing solutions to clients in Bakersfield and the surrounding areas. The company is a division of CrossCountry Mortgage, serving customers looking to refinance their mortgage loans or purchase a home. It offers a wide selection of refinancing programs, including FHA, VA, USDA, and cash-out refinance. These options offer various features, such as lower monthly payments and short repayment terms. The Estrada Team also provides conventional and jumbo loans and fixed- and adjustable-rate mortgages.

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The Mortgage House - Bakersfield logo

The Mortgage House - Bakersfield

8500 Stockdale Highway, Bakersfield, CA 93311
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  • Reverse Mortgages
  • NMLS #: 39166

The Mortgage House offers mortgage services for clients located in Bakersfield and the surrounding areas. The company has a full range of options for individuals who want to lower their monthly mortgage, or buy a new home, or make home renovations. It has helped out California residents by providing them a total of around $10 billion in loans. The company features a refinance calculator that helps clients analyze amortization, determine a prepayment amount, estimate tax savings, and consider debt consolidation.

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Frequently Asked Questions

Q: What should you expect when refinancing a mortgage?

A: 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.

Q: How often should you refinance your mortgage?

A: 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.

Q: Can you refinance a first mortgage and not a second?

A: 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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