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Best Mortgage Refinance Companies in Daly City

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Carlyle Financial logo

Carlyle Financial

1 Market Plaza, Spear Tower #3600, San Francisco, CA 94105
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  • New Construction

Carlyle Financial is a mortgage lender serving homeowners in Daly City and the rest of California. It offers a diverse suite of home loan products through established partnerships with local banks, credit unions, and regional specialty banks throughout the state. It assists in refinancing clients’ mortgages to reduce monthly home loan payments and take advantage of their home equity. Carlyle Financial helps with reassessing a client’s financial situation and appraising the value of their property to find a suitable refinance plan.

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Mortgage Connection logo

Mortgage Connection

1435 Huntington Ave #102, South San Francisco, CA 94080
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Mortgage Connection helps its clients refinance mortgages and purchase homes, as well as mixed-use and commercial properties, through a range of loan options. It offers VA, FHA, HARP, stated income, and reverse mortgages and caters to businesses through SBA loans. Dedicated to making the lending process convenient, Mortgage Connection is able to conduct its operations online. It has provided over 10,000 loans since its inception in 1998 for borrowers in Daly City and the surrounding areas.

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OneGlobal Lending logo

OneGlobal Lending

333 Gellert Blvd, Suite 228, Daly City, CA 94015
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  • New Construction

OneGlobal Lending offers its services to clients throughout Daly City and the surrounding metros. Refinancing is one of the services that the agency provides to customers wherein they trade in their old mortgages for a new one, thus achieving their goal whether it is to lower their monthly payments, cash out part of their equity, or restructure their existing debts. Residential, business, and commercial loans are also extended to clients in 38 states, including New York and Hawaii.

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SELFi logo

SELFi

44 Montgomery Street, Suite 02-172, San Francisco, CA 94104
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  • Multi-Family Loans
  • New Construction
  • Reverse Mortgages

SELFi is a digital mortgage marketplace dedicated to helping clients achieve financial freedom. It offers DIY Refi—a refinancing program designed for borrowers seeking to lower monthly payments, adjust loan terms, cash out equity, or consolidate debts. Homeowners in and around Daly City may shop and apply for loans through SELFI's DIY Refi program without disclosing their phone numbers. Founder and CEO Joseph Flannery was honored in 2017 and 2016 by Scotsman Guide magazine for his efforts as a mortgage adviser.

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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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