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Best Mortgage Refinance Companies in Concord

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Acurus Home Loans logo

Acurus Home Loans

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

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.

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Avenir Mortgage Planners logo

Avenir Mortgage Planners

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

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.

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Catalyst Mortgage logo

Catalyst Mortgage

3013 Douglas Blvd. Ste 135, Concord, CA 95661
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  • New Construction
  • Reverse Mortgages

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.

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Craig Heitz logo

Craig Heitz

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

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.

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Land Home Financial Services, Inc. logo

Land Home Financial Services, Inc.

1355 Willow Way, Suite 250, Concord, CA 94520
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  • Reverse Mortgages

Land Home Financial Services, Inc. is a direct lender in Concord that has been providing diversified funding options since 1988. It offers mortgage refinancing for clients who are facing a change in their finances. To address the diverse needs of borrowers, its loan programs also include manufactured home lending, renovation financing, reverse mortgages, and conventional, jumbo, and FHA loans. Land Home Financial Services, Inc. is a VA automatic lender. Its team partners with local non-profits and charities in order to stay involved with the community.

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Resource Home Loan logo

Resource Home Loan

2977 Ygnacio Valley Rd., Walnut Creek, CA 94598
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  • Reverse Mortgages

Resource Home Loan serves individuals in Concord and the surrounding areas. It helps clients looking to pay off debt in a shorter period or to get low interest rates with its refinancing solutions. Its refinancing programs include FHA streamline, VA IRRRL, HARP loans, 203k, conventional appraisal waivers, and student loan payoff refinance. Mark Dankman works for the company as a loan officer and a refinance specialist. Dankman has over two decades of experience working with current homeowners, home buyers, and realtors.

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Solano Mortgage logo

Solano Mortgage

862 Alamo Dr., Vacaville, CA 95688
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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.

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West Coast Mortgage Group logo

West Coast Mortgage Group

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

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.

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Frequently Asked Questions

Q: What should you expect when refinancing a mortgage?

A: 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.

Q: How often should you refinance your mortgage?

A: 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.

Q: Can you refinance a first mortgage and not a second?

A: 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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