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Best Mortgage Refinance Companies in Downey

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American Prime Lending logo

American Prime Lending

2525 Main Street Ste 410, Irvine, CA 92614
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  • New Construction

American Prime Lending provides mortgage solutions for clients in Downey and nearby areas. Its mortgage experts assist in refinancing, which involves replacing the current mortgage with a new one. They recommend refinancing mortgages to lower interest rates and monthly payments. In addition, clients who refinance may withdraw money from their home's equity. The company also offers financing options for first-time homebuyers and real estate investors. Loan options include 203K loans, reverse mortgages, HARP loans, 30-year fixed mortgages, and FHA loans.

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Bixby Knolls Mortgage logo

Bixby Knolls Mortgage

3801 Atlantic Ave, Long Beach, CA 90807
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  • New Construction
  • Reverse Mortgages

Bixby Knolls Mortgage caters to the needs of homeowners in and around the Downey area. It assists clients throughout the mortgage refinancing process, helping them lower interest rates. Its advisors inform clients of the interest rates they qualify for and educate them on the paperwork involved in the process. The brokerage also provides loan programs for first-time homebuyers, investors, and veterans. These include VA, jumbo, and fixed-rate loans. Bixby Knolls Mortgage, which was founded in 1989, established and operates the Bixby Knolls Broker Tour.

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My Lender Camacho logo

My Lender Camacho

10907 Downey Ave. #202, Downey, CA 90241
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  • New Construction
  • Reverse Mortgages

My Lender Camacho has been dealing with clients across Downey for over five years. The company walks homeowners through the refinancing process. It addresses their concerns involving matters like taxes and credit scores. The company also sets up loans insured or guaranteed by various government agencies—including the VA and FHA—for clients seeking to purchase properties. Bryan Camacho, its namesake, holds a bachelor's degree in economics. He partners with a range of mortgage firms, from Royal Pacific Funding to Quicken Loans.

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New World Mortgage logo

New World Mortgage

10842 Paramount Blvd., Downey, CA 90241
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  • New Construction

New World Mortgage addresses the real estate needs of individuals and families in Downey. Its team offers home loan refinancing solutions to help buyers and investors acquire their dream properties. The agency develops strategies on how clients can restructure existing debts, lower interest rates, and extend terms for monthly payments. It processes different types of mortgage programs, such as USDA, VA, CalFHA, and jumbo loans. The company's branch manager, Luz Lluncor, brings over two decades of industry experience.

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Real Consultants Mortgage and Real Estate Services Inc logo

Real Consultants Mortgage and Real Estate Services Inc

8141 2nd St, 420, Downey, CA 90241
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  • New Construction
  • Reverse Mortgages

Real Consultants Mortgage and Real Estate Services Inc. is a Downey-based agency that provides financial services to residential and commercial borrowers. It has a selection of loan offerings, including options for refinancing. Its products also range from common FHA and VA programs to complex probate, estate, and HELOC loans. It caters to niche clients via foreign national loans and foster care mortgages. The company was established in 2005 and is led by its president Devlin Duarte, who is also licensed in Florida and Colorado.

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Ricky Ontiveros logo

Ricky Ontiveros

8103 3rd St #1, Downey, CA 90241
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  • New Construction
  • Reverse Mortgages

Ricky Ontiveros is a mortgage consultant for Elite Mortgage Pros. He helps homeowners in Downey and its surrounding communities lower their interest rates or take cash out of their home's equity through mortgage refinancing. He also assists first-time home buyers in finding a loan program that meets their unique needs and situations. Additionally, Ricky aids seniors who are 62 years or older in understanding reverse mortgages, which would allow them to remain in their houses without making mortgage payments.

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Surfside Mortgage, Inc. logo

Surfside Mortgage, Inc.

17000 Clark Avenue, Bellflower, CA 90706
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  • Commercial Loans
  • New Construction

Surfside Mortgage, Inc. provides services to clients throughout the Downey metro and the surrounding areas. The agency serves homeowners wishing to change their current loan terms and rates, lower their monthly payments, and reduce their interests through mortgage refinancing solutions. These services also help clients obtain cash from their home equity. In addition, its team assists individuals in purchasing condominium units, single- and multi-family homes, townhouses, and manufactured homes using mortgage loan programs, including FHA and USDA.

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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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