Best Mortgage Refinance Companies in Citrus Heights

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1 Stop Lending logo
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License: 1921463

Nationwide Multistate Licensing System and Registry

1 Stop Lending

2377 Gold Meadow Way, Gold River, CA 95670
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  • New Construction

Business Description

1 Stop Lending serves Citrus Heights residents, providing them with different mortgage options and refinancing services. The family-owned company helps first-time homebuyers and residential investors acquire tailored lending options, such as FHA and VA loans. Its mortgage professionals also serve homeowners, helping them refinance their current mortgages to lower their monthly payments or interest rate. Its staff is available for contact after regular operating hours and on the weekends. Owner Deseron Loessberg has been working in the mortgage industry since 2003.

License Verified:

License: 1921463

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 (14)
Facebook
5.0 / 5 (7)

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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Amy Debusk logo
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License: 281056

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Amy Debusk

2281 Lava Ridge Court, Roseville, CA 95661
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  • Reverse Mortgages

Business Description

Amy Debusk is a mortgage advisor who guides Citrus Heights individuals and families through the homebuying or refinancing process. She and her team at Finance of America Mortgage connect clients to lending products that benefit their investments and meet their goals. They custom-tailor programs for clients looking to purchase their dream homes, planning to remodel an existing home, or seeking reverse mortgage options. Debusk has been working in the lending industry for over 20 years.

License Verified:

License: 281056

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.
4.9
Google
5.0 / 5 (25)
Facebook
5.0 / 5 (23)
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.
4.0
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––
Better Rate Mortgage logo
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License: 1852295

Nationwide Multistate Licensing System and Registry

Better Rate Mortgage

2281 Lava Ridge Ct Ste 130, Roseville, CA 95661
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  • New Construction

Business Description

Better Rate Mortgage caters to clients in and around Citrus Heights. It helps homeowners improve their financial future by refinancing an existing home loan. The refinancing program allows borrowers to shorten their loan terms, adjust interest rates, and cash out equity. The firm's mortgage specialists assist clients in finding an offer that best fits their needs by leveraging technology and automated tools, such as a refinancing rate checker. Better Rate Mortgage operates another office in Michigan.

License Verified:

License: 1852295

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 (113)
Facebook
5.0 / 5 (41)

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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Catalyst Mortgage logo
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License Verified:

License: 236492

Nationwide Multistate Licensing System and Registry

Catalyst Mortgage

3013 Douglas Boulevard Suite 135, Roseville, CA 95661
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  • New Construction

Business Description

Catalyst Mortgage serves residents in Citrus Heights who need refinancing and loan solutions. The crew examines a customer's existing obligations and rearranges these into more manageable forms with less burdensome terms and conditions. Its purchase and restructuring options include those with fixed terms ranging from a decade to three, as well as FHA-backed plans subsidized by the government. CEO and president Brandon Haefele takes a creative approach when transacting with homebuyers and addressing their needs.

License Verified:

License: 236492

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
Google
4.2 / 5 (85)
Facebook
4.7 / 5 (71)
Yelp
4.0 / 5 (66)

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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Coastal Pacific Mortgage logo
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License: 1477

Nationwide Multistate Licensing System and Registry

Coastal Pacific Mortgage

5530 Birdcage Street Suite 110, Citrus Heights, CA 95610
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  • New Construction

Business Description

Coastal Pacific Mortgage is a division of Pacific Residential Mortgage, LLC, offering to refinance clients' properties in Citrus Heights. The company provides refinancing solutions for clients in need to lower current interest rates, reduce loan terms or switch from an ARM to FRM. It also caters to a wide range of loan programs including construction, home equity, FHA, VA, and reverse mortgage. Its goal is to provide clients with guidance with each step in the process and allow them to choose a mortgage solution that suits their needs.

License Verified:

License: 1477

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 (2)

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.
4.0
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––
Family First Mortgage Group logo
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License: 390962

Nationwide Multistate Licensing System and Registry

Family First Mortgage Group

7806 Uplands Way, Citrus Heights, CA 95610
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  • Reverse Mortgages

Business Description

Family First Mortgage Group serves Citrus Heights residents. It offers refinancing and purchase loans, including FHA, VA, conventional, and USDA loans. The mortgage broker focuses on transparency and the client's financial health. Its team educates the client on how each aspect of their mortgage works, such as the interest rate, to help ensure that they make this important financial decision with confidence. The company was recognized by UWM as a Top 1% Lender in California. It is also a Platinum Club Lender of Rocket Mortgage.

License Verified:

License: 390962

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
Facebook
4.8 / 5 (26)
Google
4.0 / 5 (4)
Yelp
5.0 / 5 (2)

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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Home Loans California logo
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License: 57425

Nationwide Multistate Licensing System and Registry

Home Loans California

101 Parkshore Dr. #100, Folsom, CA 95630
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  • New Construction

Business Description

Home Loans California is an independent broker that lists the Citrus Heights metro as one of its service areas. The company helps mortgage borrowers planning to apply for refinancing to pull out cash, shorten loan terms, or reduce monthly payments. Its team of professionals aids homeowners in evaluating their options, analyzing the overall financial picture, and applying to programs suited to their needs. Managing partner Joe Alves has been serving the community for over 18 years.

License Verified:

License: 57425

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 (19)

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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Detail
Jayson Thompson logo
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License Verified:

License: 2017960

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Jayson Thompson

4401 Hazel Ave., Suite 135, Fair Oaks, CA 95628
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  • New Construction
  • Reverse Mortgages

Business Description

Jayson Thompson is a mortgage loan officer with Empire Home Loans Inc., serving clients in Citrus Heights. He has been in the real estate industry for over two decades, serving customers who want to refinance or purchase a residential property. Thompson guides borrowers through the refinancing process, from getting their documents together and filling out the application to closing the loan. He directs customers to his website, allowing them to use its decision-making tools, such as refinance and mortgage calculators.

License Verified:

License: 2017960

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

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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Detail
Merrill Home Loans Corporation logo
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License: 2135762

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Merrill Home Loans Corporation

3017 Douglas Boulevard, Suite 300, Roseville, CA 95661
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  • New Construction

Business Description

Merrill Home Loans Corporation is a mortgage company handling refinancing solutions for its client in Citrus Heights. Its goal with refinancing is to decrease interest rates or change the length of terms of clients' existing loans. Mortgage officer and owner Josh Merrill offers clients a refinancing analysis and provides them with different loan options. The company caters to jumbo and super jumbo loans, FHA, VA, and USDA loans. With over 15 years of industry experience, Josh has assisted over 1,900 families with their mortgage needs.

License Verified:

License: 2135762

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.
4.0
Google
5.0 / 5 (52)
Facebook
5.0 / 5 (16)

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
Partners Mortgage logo
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License Verified:

License: 1907235

Nationwide Multistate Licensing System and Registry

Partners Mortgage

1687 Eureka Rd, Suite 100, Roseville, CA 95661
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  • New Construction
  • Reverse Mortgages

Business Description

Partners Mortgage, a division of Synergy One Lending, serves customers in Citrus Heights. The firm has been in business for over 29 years, addressing the needs of individuals refinancing a loan or an existing mortgage. Its refinancing services enable borrowers to shorten their terms and consolidate their debt. It also provides loan programs to customers purchasing a home and has closed over 45,000 loan transactions. The firm established Partners For a Cure, a fundraising event for the Leukemia & Lymphoma Society.

License Verified:

License: 1907235

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 (94)
Facebook
5.0 / 5 (77)
Point Equity logo
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License Verified:

License: 1404205

Nationwide Multistate Licensing System and Registry

Point Equity

925 Highland Pointe Dr. Suite 330, Roseville, CA 95678
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  • New Construction

Business Description

Point Equity is a mortgage brokerage firm serving Citrus Heights. The company offers mortgage refinance programs that can help clients improve their financial situation. Its mortgage consultants provide tools and resources to help borrowers determine whether refinancing their current mortgages works best for their specific needs. The company—which also offers home purchase loans—believes that success should be measured by the level of financial and decision-making empowerment it provides to local communities, rather than by profit and loss statements.

License Verified:

License: 1404205

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.
4.9
Facebook
4.8 / 5 (35)

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
The MVB Team logo
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License Verified:

License: 209736

Nationwide Multistate Licensing System and Registry

The MVB Team

1687 Eureka Rd, Suite 100, Roseville, CA 95661
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  • New Construction
  • Reverse Mortgages

Business Description

The MVB Team assists individuals and families in Citrus Heights throughout their homeownership journey. Its team of loan professionals draws over 65 years of collective experience in helping clients refinance their existing homes and purchase new properties. They work under Partners Mortgage to provide multiple programs, including FHA, hybrid ARM, and VA loans. Senior loan officer Matt Von Bergen has been in the mortgage industry for more than 15 years. He has closed over 2,000 home loan applications.

License Verified:

License: 209736

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 (38)
Facebook
5.0 / 5 (16)

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
Back to Providers

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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