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Best Mortgage Refinance Companies in El Monte

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Abby My Lender logo

Abby My Lender

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

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 [please use sparingly] handles underwriting solutions.

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Equity Smart Home Loans logo

Equity Smart Home Loans

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

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.

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Joann Wong logo

Joann Wong

300 S. Garfield Ave, Ste 210, Monterey Park, CA 91754
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  • Reverse Mortgages

Joann Wong is a broker and loan originator who addresses the mortgage concerns of families and individuals in El Monte and nearby areas. She helps clients acquire their dream residential spaces by providing them with refinancing solutions. Wong guides customers in developing plans on how they can lower their interest rates to maximize their ROIs. She also caters to first- and second-time homebuyers and seniors seeking mortgage services. Her office offers email and phone consultations.

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LendiHome logo

LendiHome

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

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.

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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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