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Best Mortgage Refinance Companies in Chico

2024

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Providers

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

Why choose this provider?

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 (32)
Google
5.0 / 5 (24)

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

Why choose this provider?

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 (122)
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

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

Why choose this provider?

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.
4.8
Google
5.0 / 5 (9)
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

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

Why choose this provider?

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 (16)
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
300 Salem St., Chico, CA 95928
  • New Construction
  • Reverse Mortgages

Why choose this provider?

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 (237)
Facebook
4.8 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
121 W 1st Avenue, Chico, CA 95926
  • Reverse Mortgages

Why choose this provider?

Home Loans by Shan is a team of mortgage experts serving the Chico metro and surrounding localities. The company offers refinancing solutions to first-time home buyers, homeowners, sellers, and investors who aim to maximize return on investment and take advantage of a lower interest rate. Its loan programs cover various property types, such as condominiums, multi-family homes, townhouses, and manufactured homes. Owner Shan Conry has been in the residential lending industry for over 20 years.

License Verified:

License: 1424003

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 (8)
Yelp
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
2053 Forest Ave. Ste. 4, Chico, CA 95928
  • Reverse Mortgages

Why choose this provider?

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

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

Why choose this provider?

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 (52)
Facebook
4.8 / 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
155 E 3rd Ave, Chico, CA 95926
  • New Construction

Why choose this provider?

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)
Yelp
5.0 / 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

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.
  • Can you refinance your home loan in Chico even if your credit is not perfect?

    Yes. Even if you have a good credit score, you can still refinance to improve your financial situation in Chico. You can request that a mortgage professional connect you with lenders who provide such programs. Some may even allow you to consolidate your mortgage and credit card debts, as well as provide long-term solutions such as refinancing when lower rates become available.

  • Is getting a lower interest rate the sole purpose of refinancing in Chico?

    No. Although obtaining a lower interest rate is advantageous because it results in lower monthly payments, refinancing a mortgage can be done for a variety of reasons. Chico homeowners may refinance to leverage equity and obtain cash for renovations or investments. Others may wish to extend the loan term to pay less each month, or shorten it to pay off their mortgage sooner.

  • What kind of home improvement projects will benefit from a refinance in Chico?

    If the project will add value to a Chico property, refinancing is a good idea. These projects include garage door, entry door, and window upgrades, HVAC and basement conversions, and deck additions. Remodeling the bathroom and kitchen, replacing siding, and investing in hardwood floors can all increase the value of your home. To be safe, stick to renovations that improve curb appeal and avoid excessive customization, which may turn off prospective buyers.

  • What costs should you consider during a Chico refinance, aside from the usual appraisal and processing fees?

    Check with your Chico mortgage company to see if they charge a prepayment penalty, which is a fee for paying off the loan early. Points are also available in some loan programs. These are tax-deductible interest discounts paid to reduce your rate by up to 3 or 4 percentage points. Each point costs an extra 1% of your loan amount. A mortgage professional can tell you if these apply to you.

  • Can you refinance your mortgage in Chico after doing so previously?

    Yes, you can absolutely refinance again. It is a common misconception that refinancing can only be done once. Even so, when refinancing in Chico, certain factors must be carefully considered. One example is home equity: if you have already cashed out on it, you may not have much left to meet lender requirements. The costs of refinancing are also significant. Before you proceed, compare the fees to the potential refinance savings.

  • 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.