Best Mortgage Refinance Companies in Clovis

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Alameda Mortgage Corp. logo
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License Verified:

License: 271603

Nationwide Multistate Licensing System and Registry

Alameda Mortgage Corp.

8401 N Fresno Street, Fresno, CA 93720
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  • New Construction
  • Reverse Mortgages

Business Description

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.

License Verified:

License: 271603

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 (709)
Yelp
4.5 / 5 (35)
Facebook
4.5 / 5 (28)

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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Delilah Wolfe logo
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License: 252490

Nationwide Multistate Licensing System and Registry

Delilah Wolfe

755 N Peach Ave Ste E14, Clovis, CA 93611
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  • New Construction

Business Description

Delilah Wolfe is a mortgage professional who works with investors and buyers in and around Clovis. She helps individuals and families acquire their dream residential properties, such as condominiums, single- and multi-family homes, townhouses, and manufactured homes. She provides refinancing solutions to enable borrowers to change loan terms, lower interest rates and monthly payments, and consolidate debts. The agent also processes VA and USDA mortgage loans. Wolfe has been a loan officer at C2 Financial Corporation for over a decade.

License Verified:

License: 252490

Nationwide Multistate Licensing System and Registry

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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Eric Becerra logo
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License Verified:

License: 269495

Nationwide Multistate Licensing System and Registry

Eric Becerra

759 W Alluvial Ave., Suite 101, Fresno, CA 93711
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  • New Construction

Business Description

Eric Becerra of Cardinal Financial Company serves the residents of Clovis. Eric helps homeowners lower their mortgage interest rates and monthly payments or cash out on their home equity through refinancing. Eric has more than 23 years of experience in the real estate and mortgage industries. He leverages technology to maximize efficiency and minimize costs in loan processing. Clients can get quotes and apply for loans through a secure online platform. Eric is a member of the California Association of Mortgage Professionals.

License Verified:

License: 269495

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
Ernesto Padilla Home Loans logo
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License Verified:

License: 1237293

Nationwide Multistate Licensing System and Registry

Ernesto Padilla Home Loans

7575 N Del Mar Ave, Ste 104, Fresno, CA 93711
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  • New Construction

Business Description

Ernesto Padilla Home Loans caters to the refinancing needs of individuals, couples, and families in Clovis and the surrounding areas. It assists people who are looking to get lower monthly payments and interest rates through various refinancing programs. It has different types of mortgages, which include rate-based, government-backed, and jumbo loans. Owner Ernesto Padilla and his team of mortgage brokers also provide property evaluation for its clients who want to put their houses on the market.

License Verified:

License: 1237293

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
4.9 / 5 (17)

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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L.O.A.N. Services, Inc. logo
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License: 237633

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L.O.A.N. Services, Inc.

7067 N Mariposa St. Suite 105, Fresno, CA 93720
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  • New Construction

Business Description

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.

License Verified:

License: 237633

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
Google
4.6 / 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
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MAV Mortgage logo
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License Verified:

License: 1863420

Nationwide Multistate Licensing System and Registry

MAV Mortgage

755 North Peach Ave, Clovis, CA 93611
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  • Reverse Mortgages

Business Description

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.

License Verified:

License: 1863420

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 (87)

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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Mid Valley Financial logo
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License Verified:

License: 219418

Nationwide Multistate Licensing System and Registry

Mid Valley Financial

7644 North Palm Avenue, Fresno, CA 93711
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  • Reverse Mortgages

Business Description

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.

License Verified:

License: 219418

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
4.9 / 5 (69)

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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Peerless Lending logo
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License Verified:

License: 1769195

Nationwide Multistate Licensing System and Registry

Peerless Lending

5200 N. Palm Ave #114, Fresno, CA 93704
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  • New Construction
  • Reverse Mortgages

Business Description

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.

License Verified:

License: 1769195

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 (12)

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
Supreme Lending Central California logo
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License Verified:

License: 2035441

Nationwide Multistate Licensing System and Registry

Supreme Lending Central California

401 Clovis Avenue Suite 207, Clovis, CA 93612
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  • New Construction

Business Description

Supreme Lending Central California is a mortgage brokerage company that serves residential customers in Clovis. It assists borrowers seeking to refinance a current mortgage, offering cash-out refinance that provides debt consolidation and cash-out for personal purposes. It also works with customers looking to fund their primary, second, or investment homes. The agency carries traditional and government loans.

License Verified:

License: 2035441

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
4.9 / 5 (26)

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
Universal Lending logo
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License Verified:

License: 225400

Nationwide Multistate Licensing System and Registry

Universal Lending

1522 Shaw Avenue, Clovis, CA 93611
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  • New Construction

Business Description

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.

License Verified:

License: 225400

Nationwide Multistate Licensing System and Registry

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
Vong Lending Team logo
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License Verified:

License: 1717142

Nationwide Multistate Licensing System and Registry

Vong Lending Team

7050 N Fresno St. Ste 210, Fresno, CA 93702
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  • New Construction

Business Description

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.

License Verified:

License: 1717142

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
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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