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2024

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Best Mortgage Refinance Companies in Clovis, CA

Our Recommended Top 10

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Clovis 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.

59Reviewed

39Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

7644 North Palm Avenue, Fresno, CA 93711
WebsiteLicense: 219418

Expertise.com Rating

Review Sources

Google
4.9 (71)
Facebook
5.0 (2)

Why choose this provider?

Mid Valley Financial has been serving Clovis and its neighboring communities since 1985. The company helps residential and commercial property buyers with applying for mortgage options, such as FHA, jumbo, and small business loans. Its staff also assists mortgagors through the process of refinancing their loans or consolidating their outstanding debts. It has a mobile app that clients can use to contact company staff, monitor current interest rates, track their application status, and scan mortgage-related documents.

  • Reverse Mortgages

7067 N Mariposa St. Suite 105, Fresno, CA 93720
WebsiteLicense: 237633

Expertise.com Rating

Review Sources

Google
4.9 (31)

Why choose this provider?

L.O.A.N. Services, Inc., is a full-service mortgage company serving Clovis and the surrounding areas. It helps owners of properties like manufactured homes, townhouses, condominiums, and single- and multi-family homes refinance their mortgages. It offers different loan options, including jumbo, USDA, VA, and FHA loans. It also provides graduated payment, interest-only, and adjustable- and fixed-rate mortgage options. The firm aims to give borrowers a hassle-free experience by helping them overcome the challenges that they may encounter during the loan process.

  • New Construction

755 North Peach Ave, Clovis, CA 93611
WebsiteLicense: 1863420

Expertise.com Rating

Review Sources

Google
5.0 (89)

Why choose this provider?

MAV Mortgage is a Clovis-based business that caters to clients throughout the area. It assists homeowners working to refinance their loans and helps them consolidate student debt with their mortgage. The company has experience dealing with clients that own FHA loans. It also provides a range of solutions for individuals aiming to acquire properties, from VA programs to adjustable-rate mortgages. The company maintains a blog that contains information on different topics, including bridge loans to credit scores.

  • Reverse Mortgages

418 Clovis Ave, Clovis, CA 93612
WebsiteLicense: 1897652

Expertise.com Rating

Review Sources

Yelp
5.0 (7)

Why choose this provider?

Park Place Mortgage offers various refinancing and loan services to residents of Clovis. The team rearranges current obligations to help clients take advantage of subsequent favorable market developments that had happened after a debt was inked. Its loan programs include FHA-backed products, jumbo options, and adjustable-rate plans. The company's clientele ranges from buyers of family homes to those looking into mixed-use assets and condominium units. Specialty choices are also on hand for home builders, foreign nationals, and senior citizens.

1522 Shaw Avenue, Clovis, CA 93611
WebsiteLicense: 225400

Expertise.com Rating

Review Sources

Facebook
4.7 (19)
Google
4.0 (12)

Why choose this provider?

Universal Lending, which has offices in Clovis, Visalia, Hanford, and Fair Oaks, provides refinancing solutions for homeowners. Included in the programs it offers are government-backed loans such as FHA and USDA. It also helps clients apply for construction and non-qualified mortgage loans, providing assistance throughout the process. Its team works with clients from pre-approval and underwriting to closing. A former client praised Universal Lending's in-house processors, lenders, and real estate agents for making the home loan process simpler.

  • New Construction

5200 N. Palm Ave #114, Fresno, CA 93704
WebsiteLicense: 1769195

Expertise.com Rating

Review Sources

Google
5.0 (12)

Why choose this provider?

Peerless Lending serves real estate investors, first-time homebuyers, and seasoned veterans in Clovis and its surrounding neighborhoods. The business partners with several lenders to provide a variety of loan products, such as alt QM, conventional, CalHFA, VA, USDA, and FHA. Mortgage loan originator Michelle Brunn collaborates with various professionals, like title officers, real estate agents, and homebuilders in assisting clients throughout the home refinancing, buying, and selling process. She has been active in the industry for more than 20 years.

  • New Construction
  • Reverse Mortgages

700 E. Shaw Ave., Fresno, CA 93710
WebsiteLicense: 325594

Expertise.com Rating

Review Sources

Google
5.0 (1)
Yelp
5.0 (1)

Why choose this provider?

California Funding provides refinancing services to mortgage borrowers in the Clovis community. The company assists homeowners in achieving refinancing goals such as cashing out, monthly payment reduction, equity boost, and debt consolidation. Its team of mortgage professionals assesses refinancing benefits, searches for loan options, and matches clients with programs that fit their needs. One of these staff members, Richelle Fantazia-Murphy, has been in the mortgage industry since 2002 and is a member of the NAPMW.

  • Reverse Mortgages

7050 N Fresno St. Ste 210, Fresno, CA 93702
WebsiteLicense: 1717142

Expertise.com Rating

Why choose this provider?

The Vong Lending Team is led by Dat Vong, a senior loan officer at Nexa Mortgage. Vong's office helps homeowners in and around Clovis who want to secure a refinancing loan to get a better rate and term or cash out their home equity. Some of the programs offered are FHA streamline or cash out, VA IRRRL or cash out, USDA, HELOC, conventional, and jumbo loans. The Vong Lending Team also accommodates clients applying for a new home, investment, or commercial financing program.

  • New Construction

565 Pollasky Ave, Suite #201, Clovis, CA 93612
WebsiteLicense: 1206623

Expertise.com Rating

Review Sources

Facebook
5.0 (9)

Why choose this provider?

Lending Concepts caters to residents of Clovis who need to refinance their current loans or obtain new mortgages. It replaces current debts with less demanding programs to ease the difficulties of fulfillment. The team offers conventional loans and jumbo options. Government-supported plans are available for borrowers with challenging credit situations and buyers of rural assets. The company's senior loan officer, Paige Solberg, has more than 31 years of experience in the lending and banking sector.

8401 N Fresno Street, Fresno, CA 93720
WebsiteLicense: 271603

Expertise.com Rating

Review Sources

Google
5.0 (705)
Yelp
4.5 (36)
Facebook
4.6 (26)

Why choose this provider?

Since 1968, Alameda Mortgage Corp. has been working with Clovis clients, educating them throughout the process of refinancing their loans. The company dispatches an appraisal manager to help inspect each client's property and sends documents like closing disclosures as part of its work process. It also provides multiple loan programs for people seeking to purchase homes, including USDA and VA mortgages. CEO Ron Perkins has over 25 years of industry experience and is the founder of California Financial Group, a mortgage bank.

  • New Construction
  • Reverse Mortgages

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
Mid Valley Financial
7644 North Palm Avenue, Fresno, CA 93711
L.O.A.N. Services, Inc.
7067 N Mariposa St. Suite 105, Fresno, CA 93720
MAV Mortgage
755 North Peach Ave, Clovis, CA 93611
Park Place Mortgage
418 Clovis Ave, Clovis, CA 93612
Universal Lending
1522 Shaw Avenue, Clovis, CA 93611
Peerless Lending
5200 N. Palm Ave #114, Fresno, CA 93704
California Funding
700 E. Shaw Ave., Fresno, CA 93710
Vong Lending Team
7050 N Fresno St. Ste 210, Fresno, CA 93702
Lending Concepts
565 Pollasky Ave, Suite #201, Clovis, CA 93612
Alameda Mortgage Corp.
8401 N Fresno Street, Fresno, CA 93720

FAQs

  • 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.
  • What refinancing option is useful for a civilian resident of Clovis who has a credit score below 700?

    A civilian resident of Clovis who needs to refinance may take advantage of FHA loans if the credit score is below 700. These products are usable for a person's primary residence and exclude rental units. There is also no restriction as to what the initial loan is, and one may transition from a private loan to an FHA one with no issue.

  • What is the refinancing option fit for members of the military in Clovis who need lower rates and costs?

    Members of the military who need to refinance in Clovis may take advantage of VA-backed products. These options are insured by the government and have lower costs and rates than purely private choices. These are also useful for borrowers who have credit scores that are on the lower side.

  • If a debtor in Clovis needs cash immediately, what refinancing option is available?

    If a debtor in Clovis needs cash immediately to consolidate debts or pay for renovations, a cash-out refinance is the appropriate option. The borrower will use the increased equity of a house to obtain a bigger loan and then use the difference between the new equity and the old one as cash. This money can be used as the mortgage holder needs.

  • In Clovis, what is meant by the concept of "break-even time"?

    In Clovis, break-even time refers to how long a debtor must stay in a house to make a refinance process worth it. It is obtained by adding up the costs and fees of the refinance and dividing these over the projected savings. The resulting value is the number of months a person needs to stay in the house to break even.

  • What are the points in Clovis refinance transactions?

    In Clovis, points refer to a portion of the closing costs attacked to an old loan. A point is a portion of the entire loan, rated at 1% of the whole loan. It is paid when transitioning from one loan to another since there is a new closing process when obtaining a new loan, even if over the same house.

  • 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.