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Best Mortgage Refinance Companies in Bakersfield

2024

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Providers

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Website
Bakersfield, CA 93311
  • Reverse Mortgages
  • NMLS #: 39166

Why choose this provider?

Dan Ardis is a Bakersfield-based mortgage lender who has been in the mortgage business since 2003. He provides several lending options, including refinancing, home purchase, and non-traditional loans. 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 Dan's options and programs.

License Verified:

License: 1412272

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
Zillow
5.0 / 5 (31)
Facebook
5.0 / 5 (28)
Yelp
5.0 / 5 (6)

(+1 additional source)

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

Why choose this provider?

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.

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
Google
4.7 / 5 (38)

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

Why choose this provider?

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.

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
Google
5.0 / 5 (34)
Facebook
4.0 / 5 (8)
Yelp
4.5 / 5 (6)

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

Why choose this provider?

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.

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

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

Why choose this provider?

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.

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
4.9 / 5 (66)
Google
3.8 / 5 (20)
Yelp
4.5 / 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
5100 California Avenue, Bakersfield, CA 93309
  • Reverse Mortgages
  • NMLS #: 39166

Why choose this provider?

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.

License Verified:

License: 1563471

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 (22)

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

Why choose this provider?

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.

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

Why choose this provider?

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.

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
Google
4.9 / 5 (166)
Facebook
5.0 / 5 (14)
Yelp
5.0 / 5 (6)

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
4900 California Avenue, Bakersfield, CA 93309
  • New Construction

Why choose this provider?

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.

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
Google
4.9 / 5 (28)
Yelp
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
4801 Calloway Drive, Bakersfield, CA 93312
  • Reverse Mortgages
  • NMLS #: 39166

Why choose this provider?

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.

License Verified:

License: 331035

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 (13)
Facebook
5.0 / 5 (11)

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

Why choose this provider?

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.

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
Google
4.9 / 5 (11)
Yelp
5.0 / 5 (1)

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

Why choose this provider?

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.

License Verified:

License: 309234

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 (22)

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

Why choose this provider?

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.

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
Google
5.0 / 5 (48)
Facebook
4.8 / 5 (37)
Yelp
5.0 / 5 (4)

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 individuals consider rate-and-term refinance in Bakersfield?

    Individuals should consider rate-and-term refinance in Bakersfield if they want to lower their mortgage terms to pay off their debts faster and pay less throughout the life of their loans. They can also apply for rate-and-term refinance if they want to eliminate private mortgage insurance and their credit scores have increased.

  • What are the things to consider when applying for a cash-out refinance in Bakersfield?

    When applying for a cash-out refinance in Bakersfield, individuals should evaluate interest rates because sometimes a cash-out refinance involves a higher interest rate. If that is the case, they can secure a new loan with a lower interest rate instead. They also need to know how much the expenses will be for the appraisal, title, and insurance.

  • Which refinancing option should you choose in Bakersfield?

    It depends on your situation in Bakersfield. If you are planning to live in the house for 10 years or longer, you may consider a fixed-rate mortgage. This type of mortgage refinance might help you lock in a competitive rate and lower your payment. If you will only live in your home for 5 to 10 years, you can refinance into another ARM to secure lower interest rates.

  • When should you not consider refinancing your home loan in Bakersfield?

    In Bakersfield, you should not refinance your home loan if you are close to paying off your mortgage. If you have less than 10 years to settle debts, you should not refinance your loan, unless the refinance interest rate is lower than what you currently have. If you are moving soon or in the middle of home remodeling, refinancing is also not a good option.

  • Can you still qualify for a refinance loan even if you do not have perfect credit in Bakersfield?

    Yes. You are still qualified for a refinance loan in Bakersfield even if you do not have perfect credit. However, having a better credit score may help you get a better interest rate. You just have to make sure that you can lower your interest rate on your loan to make your refinance loan worth it.

  • 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.