Expertise.com

Best Mortgage Refinance Companies in El Monte

2024

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Website
25 S. Baldwin Avenue, Sierra Madre, CA 91024
  • New Construction

Why choose this provider?

Rate One Financial is a service provider that strives to meet the refinancing objectives of mortgage borrowers in the El Monte metro. Its team of professionals helps homeowners refinance their existing mortgages and guides them throughout the enrollment process, from document preparation to funding. The team creates money-saving strategies by analyzing borrowers' needs, searching different lenders for programs with lower interest rates, and assisting with negotiations. Rate One Financial has served over 114 clients to date.

License Verified:

License: 304310

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.
3.9
Facebook
4.0 / 5 (15)
Google
3.0 / 5 (2)

Website
501 S San Gabriel Blvd, Ste 203, San Gabriel, CA 91776
  • New Construction
  • Reverse Mortgages

Why choose this provider?

First Professional Finance Corporation has served El Monte clients for more than 25 years. It offers mortgage refinancing to homeowners who wish to convert an adjustable-rate loan to a fixed-rate loan, repay a balloon payment, or cash out their home's equity. It also offers a variety of loan programs, including jumbo, VA, and FHA, to homebuyers. There are both conforming and nonconforming loans available. The company uses online technology to handle applications while offering clients advice based on firsthand knowledge of the local area.

License Verified:

License: 324318

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 (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

Website
14351 Euclid St, Ste 1W, Garden Grove, CA 92843
  • Reverse Mortgages

Why choose this provider?

Kaung Tin is a mortgage refinancing services provider for clients located in the El Monte areas and nearby communities. Through Loan Factory, he has handled residential mortgages and real estate listing and purchasing. NMLS-registered, the firm is an equal housing opportunity lender, with 14 branches nationwide. It has closed over $11 billion in loans, working with more than 27,000 customers. Kaung Tin has access to 39 independent lenders, providing clients with customized real-time rate quotes, market rate movement notifications, and comprehensive rate comparisons.

License Verified:

License: 2088940

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 (59)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
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Website
800 S. Barranca Avenue, Suite 270, Covina, CA 91723
  • New Construction

Why choose this provider?

Team Carlos Flores delivers refinance and mortgage choices to the residents of El Monte. It has fast-track credit approval services and products aimed at first-time buyers and home renovators. Refinancing is available to cushion the impact of pre-existing debts and is offered to individuals preparing for higher education. Team Carlos Flores was established in 2003. It grew to a crew of over 8,000 employees across 600 branches located throughout 50 states.

License Verified:

License: 238306

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 (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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
150 N Grand Ave #208 West, Covina, CA 91791
  • New Construction
  • Reverse Mortgages

Why choose this provider?

GM Brokerage offers mortgage and refinancing options to home purchasers in El Monte. The company has traditional loans with 15- and 30-year terms and government-supported products under the VA and FHA. Non-traditional solutions are available, including self-employed home, investment property, and foreign national monetary contracts. Its staff rearranges existing obligations to reduce the burden of payment and secure more favorable conditions for compliance. GM Brokerage maintains online tools for computing home values and analyzing refinancing choices.

License Verified:

License: 1491527

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 (13)

Website
406 E. Huntington Dr Unit 204, Monrovia, CA 91016
  • Reverse Mortgages

Why choose this provider?

NestMade Mortgage is a brokerage catering to the refinancing goals of homeowners in the El Monte metro. Its team of mortgage officers assists borrowers in refinancing their existing loans to cash out equity or switch to a lower interest rate. Using the Entrepreneurial Operating System, the team guides clients through the refinancing process smoothly, from application and property evaluation to funding and closing. The company was established in 2017 and also serves Colorado and Oregon.

License Verified:

License: 1665660

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 (112)
Facebook
5.0 / 5 (19)

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.
2.5
Responsiveness
––
Friendliness
Helpfulness
Detail
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Website
801 S. Garfield Ave #308, Alhambra, CA 91801
  • Commercial Loans

Why choose this provider?

Uni First Investment Inc provides refinancing solutions to mortgage owners in El Monte. Its professionals help clients refinance their existing mortgages, such as jumbo or super jumbo, FA, USDA, and VA loans. The company assists in handling the entire process, including the financial analysis, rate comparison, and program customization phases. Founder Eric Lao has over nine years of experience in the industry and has closed over $200 million in mortgage volume. He can communicate in Cantonese and Mandarin.

License Verified:

License: 1317444

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 (268)
Google
5.0 / 5 (246)
Facebook
5.0 / 5 (69)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
4115 E Live Oak Ave. Ste 6, Arcadia & Cleveland, CA 91006
  • Reverse Mortgages

Why choose this provider?

HLOANPROs is a service provider catering to the refinancing needs of mortgage borrowers in the El Monte area. It helps homeowners switch to refinancing programs such as ARMs, fixed-rate mortgages, and super jumbo, VA, and FHA loans. Its team of mortgage brokers guides clients throughout the refinancing process, from analysis and rate and term comparison to application and closing. The company is led by Henry Moranchel, who has been providing mortgage services since 2001.

License Verified:

License: 1653630

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 (6)

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
17700 Castleton Street Suite 383, City of Industry, CA 91748
  • New Construction
  • Reverse Mortgages

Why choose this provider?

LendiHome, Inc, is a mortgage firm under Equity Smart Home Loans, Inc, serving El Monte. It is led by Jerry Torres, who brings over two decades’ worth of mortgage experience and insight. He educates clients regarding the most suitable options they may take based on their needs and builds solutions from there. Borrowers in need of refinancing aid may enlist the services of Jerry and his team to update the mortgage rate they are paying. LendiHome taps into its network of more than 120 wholesale lenders.

License Verified:

License: 1813699

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

Website
8308 Rosemead Blvd., Pico Rivera, CA 90660
  • New Construction

Why choose this provider?

Raul Rosado is a mortgage professional with over two decades of industry experience. He has partnered with Allianze Mortgage, providing various loan programs to clients in El Monte, whether they are refinancing an existing loan or buying a home. His offerings include cash-out refinance, debt consolidation, non-QM loans, and reverse mortgages. He navigates borrowers through their options and introduces them to programs fitted to their financial needs. Rosado also offers conventional, FHA, and down payment assistance programs.

License Verified:

License: 1614197

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 (8)

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
17785 Center Court Dr. N Ste 600, Cerritos, CA 90703
  • New Construction

Why choose this provider?

Abby My Lender serves families and retired individuals in El Monte and nearby communities. The company provides various loan programs, such as FHA streamline, HUP repair escrow, 203k limited, conventional, USDA guaranteed rural housing, and VA. Mortgage loan originator Abby Ayala assists first-time homebuyers and seasoned veterans throughout the refinance application process, including reviewing their debts, assets, income, and credit history. She has been accommodating customers for more than 20 years. Abby My Lender handles underwriting solutions.

License Verified:

License: 304149

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

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
217 W. Las Tunas Drive, San Gabriel, CA 91776
  • Reverse Mortgages

Why choose this provider?

Victoria Financial Corp. offers services to individuals in the El Monte area. It provides mortgage refinancing solutions, guiding clients throughout the process and helping them lower their interest rates and change terms. Its team offers personalized services for several types of customers, such as first-time homebuyers and veteran real estate owners. The company assists clients in pre-qualifying for residential properties and guides them in choosing a loan program that suits their needs. Victoria Financial Corp. has been serving clients since 1986.

License Verified:

License: 328196

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.
4.5
Google
4.5 / 5 (13)

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
1499 Huntington Dr Suite #500, South Pasadena, CA 91030
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Equity Smart Home Loans is a mortgage brokerage that has been accommodating borrowers in El Monte since 2001. It helps clients with different backgrounds and financial situations in refinancing their existing mortgages. Its selection of conventional and government-insured refinance programs include fixed-rate, adjustable-rate, jumbo, FHA, VA, and USDA loan options. The company has a team of loan officers and members who are fluent in various languages, such as Spanish, Mandarin, Korean, Armenian, Farsi, and German.

License Verified:

License: 856170

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 (152)
Facebook
5.0 / 5 (17)
Google
5.0 / 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
67 E Live Oak Ave Ste 103, Arcadia, CA 91006
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Fidelity 1st Funding is a mortgage company that caters to customers located in the El Monte metro and nearby areas. It handles cash-out and other refinancing options to consolidate debts and/or reroute funds. It also has FHA, jumbo, VA, and conventional loans available in its portfolio. Fidelity 1st Funding is an Equal Housing Lender and is NMLS-registered. It has been in the industry since 2005. In an effort to promote accessibility, the company's services extend to low-credit clients.

License Verified:

License: 01970319

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.
3.8
Google
3.5 / 5 (8)
Facebook
4.2 / 5 (6)

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.
  • Will an unconventional job affect your mortgage application in El Monte?

    An unconventional job should not affect your mortgage application in El Monte. Mortgage underwriters base their decisions on whether to approve or deny an application on an individual's capacity to pay for the house they are investing in and whether they will default on the loan. In addition, mortgage underwriters will check your credit score, income threshold, and long-term income stability.

  • Does shopping around for a mortgage pre-approval in El Monte hurt your credit rating?

    Shopping around for a mortgage pre-approval in El Monte will not hurt your credit rating. Applying for pre-approvals is an excellent practice that would help you find the best possible loan terms. It's good to search for at least three to five lenders that fit your goals and apply to each one of them when you're ready to buy a home.

  • Can you buy a home in El Monte with just a 5% down payment?

    It is possible to buy a home in El Monte with just a 5% down payment. One mortgage option is the FHA loan, where home buyers can put down 5% or less. A conventional mortgage loan is also a good option for home buyers who can only afford to put down 5% on a purchase. If you are a military member or veteran, you can rely on VA home loans for 100% financing.

  • Can you pay off your 30-year mortgage in 15 years with extra payments in El Monte?

    You can pay off your 30-year mortgage in 15 years with extra payments in El Monte, given that your mortgage doesn’t impose a prepayment penalty. You have the option to use any surplus cash to pay down the principal early. You can allocate any windfalls, like a small inheritance or bonus, that you can pay directly to the principal.

  • What is the preferred debt-to-income ratio of mortgage lenders in El Monte?

    In El Monte, mortgage lenders check an individual's debt-to-income ratio to determine if they can afford the house or not. Mortgage lenders prefer a back-end debt-to-income ratio lower than 36% and a front-end debt-to-income ratio no higher than 28%. This still depends on the financial institution, as some approve borrowers with higher ratios.

  • 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.