Best Mortgage Refinance Companies in Chico

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American Gateway Mortgage logo
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License Verified:

License: 352720

Nationwide Multistate Licensing System and Registry

American Gateway Mortgage

605 Lincoln Blvd. Ste 200, Chico, CA 95648
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  • New Construction

Business Description

American Gateway Mortgage is a brokerage firm that provides financing programs to customers in the Chico area. It offers mortgage refinancing solutions for existing properties, including single- and multi-family homes, condominiums, townhouses, and manufactured homes. It provides different types of refinancing programs, including FHA Streamline and 203K, VA Cash Out and Streamline, conventional, HARP, and USDA Streamline. First Mortgage Trust assists clients from determining applicable loan programs and applying for the mortgage to processing and closing.

License Verified:

License: 352720

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 (15)
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
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Brizzi Financial logo
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License Verified:

License: 1490304

Nationwide Multistate Licensing System and Registry

Brizzi Financial

5800 Lonetree Blvd. #101, Chico, CA 95765
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  • New Construction

Business Description

Brizzi Financial assists Chico families with their mortgage needs. Its team of brokers and loan originators guides homeowners through the process of replacing an existing mortgage with a new loan to lower interest rates, reduce monthly payments, or convert loan programs from adjustable-rate to fixed-rate. Committed to a client-focused approach, they inform and guide clients before, during, and long after their transactions. Homebuyers can also turn to Brizzi Financial for assistance with FHA, VA, and Conventional loan programs.

License Verified:

License: 1490304

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 (33)

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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California First Mortgage logo
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License Verified:

License: 247974

Nationwide Multistate Licensing System and Registry

California First Mortgage

2053 Forest Ave. Ste. 4, Chico, CA 95928
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  • Reverse Mortgages

Business Description

California First Mortgage began serving clients in Chico in 1998. Owner James Wikey is a senior loan consultant who works with people refinancing an existing loan or purchasing a home. His refinancing solutions allow borrowers to reduce their monthly payments and consolidate high-interest debt with a low mortgage rate. He has originated thousands of home loans, which include FHA, VA, jumbo, conforming, and adjustable-rate and fixed-rate mortgages. The company has a team of appraisers, loan officers, and processing staff.

License Verified:

License: 247974

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 (1)
Fairway Independent Mortgage Corporation Chico logo
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License Verified:

License: 2326979

Nationwide Multistate Licensing System and Registry

Fairway Independent Mortgage Corporation Chico

300 Salem St., Chico, CA 95928
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  • New Construction
  • Reverse Mortgages

Business Description

Fairway Independent Mortgage Corporation Chico caters to individuals and families in the metro. It assists homebuyers looking to refinance their current loans to reduce interest rates or change monthly payment costs. It offers fixed and adjustable rates on conforming, jumbo, FHA, VA, and USDA loans, with terms from five to 30 years. The team delivers options based on each client's unique scenario and helps compare different offers. The mortgage corporation has been in the industry for over 25 years.

License Verified:

License: 2326979

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 (239)

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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IMS Lending logo
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License: 1865384

Nationwide Multistate Licensing System and Registry

IMS Lending

120 W 2nd Street, Unit 2, Chico, CA 95928
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  • Reverse Mortgages

Business Description

IMS Lending is a mortgage company that serves clientele in Chico and the surrounding areas. It advises and assists individuals and families applying for a refinance loan for different purposes, such as adjusting mortgage rates and monthly payment terms and cashing out home equity. The firm's loan officers assess the financial situation of potential borrowers to give appropriate offer recommendations. IMS Lending has been in the real estate and mortgage service industries for more than two decades.

License Verified:

License: 1865384

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 (53)

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
Network Mortgage logo
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License Verified:

License: 358237

Nationwide Multistate Licensing System and Registry

Network Mortgage

155 E 3rd Ave, Chico, CA 95926
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  • New Construction

Business Description

Network Mortgage is a Chico-based firm that caters to first-time homebuyers, retirees, families, newlyweds, and veterans. It provides refinancing solutions that enable homeowners to lower their interest rates and monthly payments or alter their loan terms. It also offers various home purchase loans, such as FHA, USDA, VA, conventional, and jumbo. Additionally, reverse mortgages are available for seniors aged 62 and over. Network Mortgage's loan advisors bring over more than 60 years of experience in the industry.

License Verified:

License: 358237

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 (9)

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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Helpfulness
Detail
Northern California Mortgage Co. logo
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License Verified:

License: 235599

Nationwide Multistate Licensing System and Registry

Northern California Mortgage Co.

113 Presley Way Ste 6, Chico, CA 95945
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  • New Construction

Business Description

Northern California Mortgage Co. serves clients in Chico and the surrounding areas. It helps borrowers alter their mortgage terms and reduce their monthly payments by providing them with multiple refinance solutions, including FHA streamline, cash-out, and 203k; USDA streamline; conventional; and VA cash-out and streamline. The firm also offers a wide variety of lending options for purchasers of single-family and multifamily units, condominiums, and townhouses such as VA, FHA, USDA, and jumbo. The company's staff guides customers through the mortgage process, from pre-approval to closing.

License Verified:

License: 235599

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
5.0 / 5 (5)
Yelp
4.0 / 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
Unified Home Loans logo
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License Verified:

License: 1965830

Nationwide Multistate Licensing System and Registry

Unified Home Loans

2270 Douglas Blvd Ste 215, Chico, CA 95661
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  • New Construction
  • Reverse Mortgages

Business Description

Unified Home Loans is a mortgage broker that serves clients in Chico. It keeps clients informed and helps them decide when a mortgage refinance suits their situation. Its services are also available for individuals who plan to get a loan for a home purchase. It offers VA, FHA, and USDA loans, as well as fixed-rate mortgages. In addition, it guides clients in rehab renovation and vacation and investment home loans. With decades of experience, the company was able to finance thousands of loans for clients.

License Verified:

License: 1965830

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 (120)
Facebook
5.0 / 5 (2)
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
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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