Expertise.com
2024

Last updated:

Best Mortgage Refinance Companies in Baldwin Park

Our Recommended Top 12

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 Baldwin Park 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.

52

Reviewed

36

Curated

12

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
925 N Unruh Ave. Suite #3, La Puente, CA 91744
  • Reverse Mortgages

Why choose this provider?

1st Realty Funding, Inc., is a mortgage broker that arranges refinancing solutions for homeowners in Baldwin Park. Its loan advisors assess mortgage borrowers' individual situations, search for suitable programs, and help with choosing from various options. They streamline refinancing methods and work closely with banks to deliver an improved client experience. The family-owned business has been serving the community since 1995. It delivers programs from the FHA, VA, USDA, and SBA, also providing commercial loans.

License Verified:

License: 337029

Nationwide Multistate Licensing System and Registry

Website
14607 Ramona Blvd. Suite C, Baldwin Park, CA 91706
  • New Construction

Why choose this provider?

Lakeside Home Loans offers mortgage refinancing assistance to customers in and around the Baldwin Park metro. Its loan officers work closely with clients to understand their goals and help them compare refinancing options that may lower their monthly mortgage payment, allow them to take some cash out, or consolidate their current debts. The firm also offers comprehensive lending solutions for both first-time and experienced home buyers. Additionally, the firm has Realtors on staff who assist clients looking for properties to purchase.

License Verified:

License: 2320142

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 (8)
Google
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
100 N Citrus St., West Covina, CA 91791
  • New Construction

Why choose this provider?

Prime Equity Mortgage is a full-service company offering refinancing solutions to individuals and families in Baldwin Park. Through its network of over 334 wholesale banks, the company delivers diverse refinancing options for each borrower's needs. Its team of professionals shops for refinancing programs that have lower rates, minimal costs, and shorter turnaround times. Prime Equity has supported the homeownership journey of thousands of people since 2010. In addition, it provides hard money and stated-income loans.

License Verified:

License: 303978

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 (24)
Yelp
5.0 / 5 (14)
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

Website
150 N. Grand Ave Suite 204, West Covina, CA 91791
  • New Construction

Why choose this provider?

California Mortgage Brokers Inc. is a West Covina-based company that deals with clients across Baldwin Park. It addresses homeowners' concerns regarding the mortgage refinancing process and helps them achieve goals like lowered interest rates. It has assisted owners of different types of properties, including condominiums, single-family homes, and townhouses. For low-income clients aiming to purchase properties in suburban or rural locations, the company offers loans backed by the USDA. It also runs a blog to educate individuals on current housing market trends.

License Verified:

License: 1926998

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)

Website
500 N. State College Blvd., Suite 1400, Orange, CA 92868
  • Reverse Mortgages
  • New Construction

Why choose this provider?

Intelliloan has been working with clients across Baldwin Park since 1993. The company guides homeowners in evaluating their various refinance options. These include shifting from a 15-year program to a 30-year mortgage to lower monthly payments or obtaining adjustable-rate programs to reduce interest rates. The company also offers a cash-out refinance option for homeowners seeking to liquidate a portion of their home equity to fund a second home mortgage. It runs a blog to educate individuals on topics like market trends.

License Verified:

License: 3290

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 (547)

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
4115 Live Oak Ave, Arcadia, CA 91006
  • New Construction
  • Reverse Mortgages

Why choose this provider?

HLOANPROs assists Baldwin Park residents in qualifying for loans that match their current financial circumstances. The agency provides refinancing options for borrowers who wish to withdraw cash from equity, save money through reduced rates, and restructure their mortgage terms. These programs include conforming, jumbo, USDA, FHA, and VA loans. It also helps first-time homebuyers and experienced investors in obtaining purchase loan products. Clients can access self-help tools on the company's website to determine daily rates and utilize forms and mortgage calculators.

License Verified:

License: 1653630

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)

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
750 Terrado Plaza, Suite 114, Covina, CA 91723
  • Reverse Mortgages

Why choose this provider?

Futura Financial Inc. serves Baldwin Park and its surrounding communities. It helps clients who are looking to refinance their properties by helping them find the refinance loan type that best fits their needs. Its team of advisors educates borrowers on the differences between various lending policies— from the rates and terms of FHA and VA products to the inclusions of conventional, jumbo, and USDA streamline loans. The firm also aids senior citizens with their reverse mortgages. Futura Financial Inc. has been in the industry for more than three decades.

License Verified:

License: 297869

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
Google
4.7 / 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
1612 Jefferson St, Suite 4, Baldwin Park, CA 94559
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Manufactured Home Mortgage is a lending company serving Baldwin Park and the surrounding areas. It specializes in financing mobile homes and provides a variety of loan programs to assist prospective home buyers with financing their purchases. It also assists current homeowners with mortgage refinancing to lower their monthly payments and overall interest rate. Rob La Monica founded Manufactured Home Mortgage after assisting his father, who did some lending to help people buy affordable housing as a teenager.

License Verified:

License: 254890

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
Facebook
4.4 / 5 (32)

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.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
737 Glendora Ave #103, La Puente, CA 91744
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Ampac Funding Group Inc provides various refinancing options to Baldwin Park homeowners. It helps those who want to lower their monthly payments or loan terms or who want to shift from an ARM to FRM through refinancing. Cash-out options to raise funds for home improvement, consolidating debt, and education expenses are available. Additionally, the company has varied purchase programs for different types of clients. Ampac Funding simplifies its process with an online calculator that provides a comprehensive breakdown of loan details.

License Verified:

License: 324751

Nationwide Multistate Licensing System and Registry

Website
19500 Jamboree Rd, Suite 200, Irvine, CA 92612
  • Multi-Family Loans

Why choose this provider?

CashCall Mortgage assists Baldwin Park residents in searching and applying for refinancing opportunities. Its agents guide jumbo or VA loan holders in switching to refinance options that best suit their immediate and future goals. In addition, they help self-employed, real estate investors, and clients who qualify for bank-statement loans in securing refinancing programs. CashCall Mortgage has been serving the homeownership needs of the community since 2003. It is also a member of the Mortgage Bankers Association.

License Verified:

License: 128231

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
Google
4.7 / 5 (583)

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
615 Smoketree Dr, La Verne, CA 91750
  • Reverse Mortgages

Why choose this provider?

Evans Financial Network serves the needs of clients in Baldwin Park and its surrounding neighborhoods. Its team of professionals offers mortgage refinancing services to take cash out from customers’ home equity, reduce interest rates, and change mortgage terms. The firm provides refinancing options such as fixed- and adjustable-rate, conforming, jumbo, and super jumbo loans. In addition, it handles VA, USDA, and FHA loans. The business’s owner, Chuck Evans, has more than three decades of industry experience.

License Verified:

License: 256237

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 (5)

Website
1822 E Route 66, A, Glendora, CA 91740
  • New Construction

Why choose this provider?

Prominence Funding offers financing assistance programs to homebuyers and struggling borrowers in Baldwin Park. It recommends purchase, refinance, and specialized loans to aspiring homeowners with different financial situations. Its loan restructuring solutions intend to lower monthly payments, cash out equities, merge multiple debts, remove private insurance, and offset refinancing charges. The mortgage broker identifies borrowers' needs and evaluates if a refinance option could actually save them money. Loan officer Christopher Turoci has been working in the wealth management and mortgage business for over 20 years.

License Verified:

License: 1658251

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 (8)
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.
  • Who qualifies for a cash-out refinance loan in Baldwin Park?

    Property owners who meet the criteria can qualify for a cash-out refinance loan in Baldwin Park; borrowers must have 20% or higher of existing home equity, good credit scores, and the ability to make monthly payments. Their new debt-to-income ratio must also be acceptable to their chosen or preferred mortgage lender.

  • When can you refinance your mortgage in Baldwin Park?

    You can refinance your mortgage in Baldwin Park if your mortgage interest rates are falling, and your home has appreciated in market value. If you have been on your 30-year mortgage for less than 10 years, you may want to consider refinancing. You can pay high-interest debts and lower your monthly payment through refinancing.

  • How can you determine if a cash-out refinance in Baldwin Park is a good idea or not?

    If you want to apply for a cash-out refinance in Baldwin Park, you must evaluate whether you can get a good interest rate on your new loan. It is also a good idea to consider refinancing if you plan on using the money to rebuild home equity and fund a property renovation. However, if you will use the money to buy a new car or pay vacation expenses, refinancing is not a good option.

  • What do lenders look for in individuals applying for fixed-rate mortgage loans in Baldwin Park?

    Lenders in Baldwin Park check and evaluate the monthly income and employment histories of individuals applying for fixed-rate mortgage loans. They make sure that borrowers are gainfully employed to pay monthly mortgage payments. They also check if borrowers have good credit scores. If individuals have credit scores at around 720, they may qualify for a conventional fixed-rate loan.

  • Can cash-out refinancing in Baldwin Park fund college expenses?

    Individuals may apply for cash-out refinancing to fund college expenses in Baldwin Park. Most of the time, parents have not saved for their children's school expenses. The only option they have is to take cash from a refinance loan. Through refinancing, borrowers can pay tuition fees, books, and room and board costs.

  • 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.