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Best Mortgage Refinance Companies in Elk Grove

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Fred Bermudez Home Loans logo

Fred Bermudez Home Loans

1812 K St., Sacramento, CA 95811
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  • New Construction
  • Reverse Mortgages

Fred Bermudez Home Loans serves property owners and investors in Elk Grove and its surrounding communities. It helps clients with mortgage refinancing which reduces monthly payments and consolidates and pays off high-interest debts. The company also offers a variety of home loan programs, such as jumbo, FHA, USDA, and rehab, and provides 15-and 30-year fixed-rate mortgages for investment and vacation homes. Mortgage lender Fred Bermudez has been working in the industry for more than 20 years. He assists customers in the home purchasing and selling process, including finding a real estate agent.

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GFL Capital Mortgage logo

GFL Capital Mortgage

1100 Corporate Way Suite 210, Sacramento, CA 95831
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  • New Construction

GFL Capital Mortgage was founded in 2007 to assist existing and potential homeowners with their home financing needs. Whether clients are refinancing a mortgage or buying a new property, its staff works to close deals in less than 14 days. The company has access to various lenders, including U.S. Bancorp, Homepoint, AmeriSave, and Caliber. It evaluates market trends and develops loan options to meet clients' unique needs. GFL Capital Mortgage has three offices staffed by over 25 team members.

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Matt The Mortgage Guy logo

Matt The Mortgage Guy

707 Commons Drive Suite 103, Sacramento, CA 95825
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  • New Construction

Matt The Mortgage Guy handles the needs of residents in Elk Grove and the nearby locations. The brokerage offers customers various loan options, which include home refinance. Its refinance process works by completing a refinance analysis, receiving plans in accordance with different scenarios, and differentiating interest rates. Its team of loan officers also helps clients with federal housing administration loans, VA loans, jumbo loans, and 30-year fixed mortgages. Matt Gougé, the founding partner and senior loan originator, has been operating the brokerage since 2021.

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Michele Milota logo

Michele Milota

6085 Douglas Blvd Ste #500, Granite Bay, CA 95746
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  • Reverse Mortgages

Michele Milota is a loan officer providing mortgage services to clients in Elk Grove and the surrounding areas. She guides individuals who wish to apply for mortgage refinance programs to help change their rates, remove insurance premiums, and cash out funds. She also serves clients purchasing homes using jumbo and super jumbo, FHA, USDA, and VA loan programs with five- to 30-year term options. Michele is available to serve individuals aged 62 and older who want to obtain reverse mortgage products.

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PMG Home Loans logo

PMG Home Loans

1010 Hurley Way, Sacramento, CA 95825
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  • Reverse Mortgages

PMG Home Loans has been serving the people of Elk Grove for more than 20 years and has underwritten loans for over 1,500 homes. The company helps homeowners refinance their mortgages for various purposes, whether to lower their interest rates and premiums, shorten their loan terms, or pay off high-interest debts. It also handles home purchase loans like conventional, jumbo, FHA, VA, and USDA. PMG Home Loans treats clients not only as borrowers but as neighbors.

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The Chris Kennedy Team logo

The Chris Kennedy Team

2100 Northrop Avenue, Suite 900, Sacramento, CA 95825
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  • New Construction
  • Reverse Mortgages

The Chris Kennedy Team of Reliant Lending represents individuals and families in Elk Grove looking to buy, sell, or refinance their homes. It offers several loan options, including refinancing, reverse, conventional, and government-backed financing programs through VA and FHA. The firm also has down payment assistance programs for first-time homebuyers, rural residents, teachers, and first responders. Chris Kennedy, its senior loan officer, served as a damage control fireman aboard the USS Kitty Hawk. He has been in the mortgage business since 2000.

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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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