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Best Mortgage Refinance Companies in Clovis

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2023
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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.

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8401 N Fresno Street, Fresno, CA 93720
  • 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 (705)
Yelp
4.5 / 5 (36)
Facebook
4.6 / 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.
4.0
Responsiveness
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Detail
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California Funding logo
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License: 325594

Nationwide Multistate Licensing System and Registry

California Funding

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700 E. Shaw Ave., Fresno, CA 93710
  • Reverse Mortgages

Business Description

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.

License Verified:

License: 325594

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 (1)
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
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Detail
Eric Becerra logo
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License Verified:

License: 269495

Nationwide Multistate Licensing System and Registry

Eric Becerra

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759 W Alluvial Ave., Suite 101, Fresno, CA 93711
  • 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
Google
5.0 / 5 (18)
L.O.A.N. Services, Inc. logo
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License Verified:

License: 237633

Nationwide Multistate Licensing System and Registry

L.O.A.N. Services, Inc.

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7067 N Mariposa St. Suite 105, Fresno, CA 93720
  • 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.
4.9
Google
4.9 / 5 (31)

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
Lending Concepts logo
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License Verified:

License: 1206623

Nationwide Multistate Licensing System and Registry

Lending Concepts

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565 Pollasky Ave, Suite #201, Clovis, CA 93612

Business Description

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.

License Verified:

License: 1206623

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 (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
Friendliness
Helpfulness
Detail
MAV Mortgage logo
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License Verified:

License: 1863420

Nationwide Multistate Licensing System and Registry

MAV Mortgage

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755 North Peach Ave, Clovis, CA 93611
  • 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 (89)

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
Mid Valley Financial logo
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License Verified:

License: 219418

Nationwide Multistate Licensing System and Registry

Mid Valley Financial

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7644 North Palm Avenue, Fresno, CA 93711
  • 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.
4.9
Google
4.9 / 5 (71)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Park Place Mortgage logo
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License Verified:

License: 1897652

Nationwide Multistate Licensing System and Registry

Park Place Mortgage

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418 Clovis Ave, Clovis, CA 93612

Business Description

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.

License Verified:

License: 1897652

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
Yelp
5.0 / 5 (7)
Peerless Lending logo
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License Verified:

License: 1769195

Nationwide Multistate Licensing System and Registry

Peerless Lending

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5200 N. Palm Ave #114, Fresno, CA 93704
  • 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
Friendliness
Helpfulness
Detail
Universal Lending logo
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License Verified:

License: 225400

Nationwide Multistate Licensing System and Registry

Universal Lending

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1522 Shaw Avenue, Clovis, CA 93611
  • 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

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
Facebook
4.7 / 5 (19)
Google
4.0 / 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
Friendliness
Helpfulness
Detail
Vong Lending Team logo
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License Verified:

License: 1717142

Nationwide Multistate Licensing System and Registry

Vong Lending Team

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

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.
  • 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.

  • How does mortgage refinance work?

    The mortgage refinance process begins with choosing a broker and filling out loan application information. The process continues through underwriting and closing. The new mortgage is then used to pay off and close your original mortgage loan. This leaves you with a new loan and mortgage payment to manage each month.

  • When should you refinance a mortgage?

    If your credit score has improved or mortgage interest rates have dropped, refinancing can potentially save you money. Other reasons to refinance your mortgage include getting a fixed rate instead of an adjustable one or getting a shorter loan term. An increase in your home’s value that can let you access more equity is another reason to refinance.

  • How much does it cost to refinance a mortgage?

    The average cost to refinance a mortgage is $5,000. This amount varies, based on the state and county where the property is located and the loan amount. Common fees incurred when refinancing a mortgage include:

    • Appraisal fee
    • Broker’s fee
    • Credit check fee
    • Loan application fee
    • Recording fee
    • Title search and insurance fee

  • How soon can you refinance a mortgage?

    Some lenders make borrowers wait a minimum of six months before accepting a new mortgage refinancing application. However, when that happens, borrowers can check with other lenders to find one that doesn’t require a wait before refinancing. A mortgage refinance broker can guide you to lenders that allow immediate refinancing.

  • How long does it take to refinance a mortgage?

    The average amount of time it takes to refinance a mortgage is 45 days. In some cases, it may be possible to get it done faster. There also may be times when it takes longer to get a mortgage refinanced.