Expertise.com

2024

Last updated:

Best Mortgage Refinance Companies in Concord

Our Recommended Top 8

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

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

75Reviewed

48Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
3480 Buskirk Ave, Suite 260, Pleasant Hill, CA 94523
  • New Construction

Why choose this provider?

Avenir Mortgage Planners handles the needs of homeowners in Concord and the surrounding areas. The company provides clients with various mortgage planning strategies, which include helping them get lower interest rates, get lower monthly payments, decrease loan terms, and remove an Adjustable Rate Mortgage. It has been in operation for 20 years and has completed more than 3,000 loans. Greg Lartilleux, the owner, president, and mortgage planner of Avenir Mortgage Planners, has been helping clients with their mortgage planning needs since 2002.

License Verified:

License: 243334

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
Yelp
5.0 / 5 (151)
Google
5.0 / 5 (143)
Facebook
4.5 / 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

Website
26 Bormio Ct., Danville, CA 94526
  • Reverse Mortgages

Why choose this provider?

Haven Home Lending has mortgage refinancing services ready for clients located in the Concord metro and nearby areas. It works on refinance analysis requests, and then delivers options to clients and presents to them the interest rates and terms they can next take on. The firm also handles 203K, HARP FHA, VA, and USDA loans, and is also associated with Fannie Mae and Freddie Mac. Owner Fiorella Giusti-Barrera custom-design mortgages to client specifications, and educates them in matters of property finance.

License Verified:

License: 326741

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
4.9 / 5 (15)

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
2716 Broadway, Sacramento, CA 95818
  • Commercial Loans
  • New Construction

Why choose this provider?

West Coast Mortgage Group handles the refinancing needs of homeowners throughout Concord and the nearby communities. The company has been in operation since 2004. Its loan officers help clients reduce monthly payments, cash out some of their equity, or consolidate existing debts through FHA streamline refinancing. Additionally, the company offers a wide array of mortgage loan options, including conventional, VA, jumbo, FHA, and USDA mortgages. Reverse mortgages are also available for homeowners 62 years and older.

License Verified:

License: 5084

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 (257)
Yelp
5.0 / 5 (73)
Facebook
4.7 / 5 (62)

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
3100 W Ray Rd Ste 201, Office 209, Concord, CA 85226
  • Reverse Mortgages

Why choose this provider?

Craig Heitz is a mortgage professional who offers services for clients in Concord and nearby locations. Heitz collaborates with clients in finding the right mortgage that meets their unique financial goals. He provides clients with VA, FHA, and USDA RD loans with increased qualifying ratios, smaller down payments, and a 500 FICO score requirement. In addition, he recommends NEXA new as a financing solution for qualified borrowers with financial hardship, including BK or short sale. He received his CMA certification in 2020.

License Verified:

License: 1520831

Nationwide Multistate Licensing System and Registry

Website
862 Alamo Dr., Vacaville, CA 95688

Why choose this provider?

Solano Mortgage takes care of the refinancing needs of customers in and around the Concord metro. Its loan officers aim to help clients increase their monthly cash flow by working to create a refinance package that suits their needs. This may include resetting mortgage terms with a lower interest rate or longer term to reduce monthly payments, consolidating first and second mortgages, or cashing out some equity. Solano Mortgage founder Jim Porter has over three decades of experience in the mortgage industry.

License Verified:

License: 1850

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 (86)
Google
4.9 / 5 (68)
Yelp
4.9 / 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

Website
862 Deer Spring Circle, Concord, CA 94521
  • Reverse Mortgages

Why choose this provider?

Acurus Home Loans addresses the mortgage refinancing needs of people in Concord and the surrounding areas. It helps clients choose programs like USDA, FHA, VA, and jumbo loans based on their financial capacity. Its mortgage rate options include fixed-rate, adjustable ARM, interest-only, and graduated payments. The company also offers FICO, home equity conversion, and home loans for self-employed individuals. It has been assisting customers in purchasing their dream homes through its refinancing services for over 20 years.

License Verified:

License: 1700596

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)

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
1720 Broadway, 3rd floor, Oakland, CA 94612
  • New Construction
  • Reverse Mortgages

Why choose this provider?

TMC Financing is a lender serving the Concord community and has a multi-region reach. The company assists SBA 504 loan holders in refinancing real estate to solve matters such as cash access, debt payment, and monthly payment reduction. Its loan professionals advise clients regarding prevailing interest rates and guide them in accomplishing the refinancing process, from application and appraisal to funding. Since its creation in 1981, TMC Financing has provided $10 billion in funding to over 6,000 businesses.

License Verified:

License: 1225153

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
Facebook
4.8 / 5 (26)
Google
4.8 / 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
3013 Douglas Blvd. Ste 135, Concord, CA 95661
  • Reverse Mortgages
  • New Construction

Why choose this provider?

Catalyst Mortgage, a member of the Mortgage Bankers Association, has been serving Concord's first-time homebuyers, existing homeowners, and property investors since 2005. Its staff members, who have over 50 years of combined experience, help homeowners who want to refinance their FHA loans. They guide them through the FHA Streamline Refinance program, which allows them to reduce their current home's interest rate quickly and with less paperwork. Catalyst Mortgage also strives to ignite a difference in the community by raising funds to serve meals to low-income families.

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
Facebook
4.8 / 5 (123)
Google
3.9 / 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

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 does the process of refinancing a mortgage in Concord entail?

    Seeking to refinance a mortgage in Concord involves taking out a new loan to erase the existing one. The objective could be a more favorable interest rate or a shorter repayment period, facilitating earlier completion. While engaging with the present lender may make the procedure more straightforward, it remains prudent for individuals to explore various lending sources to locate the optimal rates and terms.

  • Why is setting a goal essential when refinancing a mortgage in Concord?

    Setting a goal for mortgage refinancing in Concord is critical, as it directs the path to a successful refinancing journey. Whether securing a diminished interest rate, extracting funds at closing for obligations or property upgrades, or hastening the repayment process, explicitly conveying these goals to lenders is fundamental. Should the plan be an early loan payoff, initiating with a more competitive rate is a wise first step.

  • Why is mortgage refinancing often considered by homeowners in Concord looking to finance home improvements?

    Mortgage refinancing is often considered by homeowners in Concord looking to finance home improvements because it can increase equity and property value in a competitive market, thus offering a financial avenue to underwrite enhancements to their property. Individuals with solid credit, proven ability to manage a supplementary mortgage, or considerable home equity may explore options such as FHA loans or other loans to underwrite these property enhancements.

  • What documentation is needed for rental property owners in Concord to refinance?

    In Concord, to refinance a leased property, proprietors need to submit various documents, such as agreements with tenants and evidence of rent payments. They also need to provide the two most recent earnings records and bank summaries, plus a comprehensive analysis of the mortgage's components. Additionally, submission of the last biennial tax returns, all related insurances, debt particulars, and current investment or retirement portfolio statements is required.

  • In Concord, what are the common causes of delays in refinancing transactions?

    In Concord, refinancing transactions often encounter delays due to some considerations. Initially, lenders give precedence to buying deals that have urgent requirements, including several involved parties and fixed closing dates, quickening evaluations, and administration. Furthermore, refinance agreements for primary or secondary dwellings carry a compulsory three-day reevaluation period after contract endorsement, adding to the total time required to finalize.

  • 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.