Expertise.com

2024

Last updated:

Best Mortgage Refinance Companies in Fairfield

Our Recommended Top 11

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Fairfield Mortgage Refinance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

69Reviewed

45Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

630 Davis St Suite 200, Vacaville, CA 95688
WebsiteLicense: 71025

Expertise.com Rating

Why choose this provider?

Edward Nakamura is a Finance of America Mortgage specialist who serves individuals and families in the Fairfield area and nearby locations. As a producing branch manager, he assists clients seeking refinancing solutions. He works closely with homebuyers and investors to develop strategies that can lower monthly payments, consolidate debts, and shorten loan terms. The professional also provides a selection of mortgage options suited to customers' financial plans. Nakamura processes reverse, renovation, and veteran loan products.

  • New Construction

490 Chadbourne Road Ste A132, Fairfield, CA 94534
WebsiteLicense: 310302

Expertise.com Rating

Review Sources

Google
4.9 (30)
Facebook
5.0 (24)

Why choose this provider?

Home Loans by Ed Esteban is a service provider delivering solutions to the refinancing goals of residents in the Fairfield metro and the neighboring areas. Loan officer Ed Esteban designs refinancing options to serve clients looking to save money and those who have less-than-perfect credit scores. Esteban is affiliated with Edge Home Finance Corporation and assists mortgage borrowers throughout the refinancing process, from analysis to loan fulfillment. Additionally, he serves the needs of downsizing homeowners and rental property investors.

  • New Construction

1111 Webster St., Ste. E,, Fairfield, CA 94533
WebsiteLicense: 1322440

Expertise.com Rating

Review Sources

Google
5.0 (30)
Facebook
5.0 (7)

Why choose this provider?

Pacific Community Lender, Inc. is a brokerage serving Fairfield. It assists customers considering a refinance or buying a home for the first time. The company offers special programs sourced from various financial institutions and investors to those who do not meet traditional requirements due to employment status or low FICO scores. Options include 30-year fixed-rate, non-owner-occupied, short sale, and business bank statement mortgages. Pacific Community Lender has teamed up with The Leaven and Pink Lemonade to support needy children and cancer patients.

  • New Construction

4234 Hacienda Drive #110, Pleasanton, CA 94588
WebsiteLicense: 247830

Expertise.com Rating

Why choose this provider?

Deb Sundlie-Osborn is a senior loan officer from United Lending Partners. She guides clients in Fairfield through several refinancing options available and helps them find one that matches their goals. Her services are also available for those who want to make a home purchase. Options include fixed mortgage rates for 15 or 30 years, as well as FHA, VA, USDA, jumbo, and 203k loans. Osborn brings over 23 years of lending experience to assist clients in obtaining the mortgage they need.

  • Reverse Mortgages

490 Chadbourne Road Suite A147, Fairfield, CA 94534
WebsiteLicense: 1224692

Expertise.com Rating

Review Sources

Google
5.0 (113)
Yelp
5.0 (90)
Facebook
4.9 (41)

Why choose this provider?

Jnucum Home Loans attends to the financing needs of Fairfield locals. It provides assistance for its clients' purchasing or refinancing inquiries. The mortgage company extends its services and assistance to clients regardless of their credit score or getting denied home loans in the past. It handles mortgage concerns such as FHA mortgages, home equity line of credit, jumbo mortgage loans, USDA loans, reverse mortgages, and VS loans. It also works on matters concerning down payment assistance loans, HARP refinances, cashing out, lowering rates, and eliminating PMI.

  • New Construction
  • Reverse Mortgages

338 Cernon Street, Vacaville, CA 95688
WebsiteLicense: 287454

Expertise.com Rating

Review Sources

Facebook
5.0 (120)
Google
5.0 (65)

Why choose this provider?

Dream Team Lending is headed by mortgage broker duo Loli Martinez Lonso and Alix Pate, who share a combined industry experience of over 30 years, serving Fairfield with its client-focused mortgage solutions. It helps clients make informed decisions by analyzing their goals and apprising various refinancing and loan programs, including fixed and adjustable rate mortgages, conforming, jumbo, and government loans such as FHA, VA, and USDA. The company also assists Hispanic clients through Lonso, a fluent speaker of the Spanish language.

  • Reverse Mortgages

3093 Citrus Cir #145, Walnut Creek, CA 94598
WebsiteLicense: 1754841

Expertise.com Rating

Review Sources

Google
5.0 (116)
Yelp
5.0 (47)
Facebook
5.0 (6)

Why choose this provider?

Integrus Mortgage provides its services to clients in and around the Fairfield area. It helps individuals and families access equity for debt payoffs and home-remodeling purposes and switch to a shorter loan term by offering mortgage refinance options. The firm also assists first-time homebuyers and provides them with loan products, such as conventional, FHA, jumbo, USDA, VA, and family gift fund programs. Jeremy Gould, the owner, has more than 15 years of financial service experience.

  • Multi-Family Loans

1115 Stratford Ave, Suite D, Dixon, CA 95620
WebsiteLicense: 239050

Expertise.com Rating

Review Sources

Google
5.0 (29)
Facebook
5.0 (13)

Why choose this provider?

Almond Tree Mortgage is a brokerage business serving the community of Fairfield with loans for refinancing or home purchasing. Through mortgage refinance, families and individuals may obtain money or a lower interest rate from their properties. The company also provides assistance in securing low rates and closing loans on time to a variety of clients, including refinancing homeowners, investment buyers, seniors seeking reverse mortgages, first-time purchasers, and move-up/second-timers. Almond Tree Mortgage has been operating in the industry for over 20 years.

  • Reverse Mortgages

177 Military East, Benicia, CA 94510
WebsiteLicense: 290507

Expertise.com Rating

Review Sources

Google
5.0 (18)
Facebook
5.0 (18)

Why choose this provider?

Darlene Espinoza assists Fairfield residents with home refinancing. She is a Certified Mortgage Advisor with over 20 years of lending and financial industry experience. She leverages her combined knowledge of mortgages and financial and tax planning to find refinancing options that improve clients' mortgage terms and help build wealth. Espinoza also offers home purchase loans. She is a six-time Five Star Mortgage Professional awardee and has been recognized by Scotsman Guide as a Top Originator.

  • New Construction

4123 Solano Ave, Napa, CA 94558
WebsiteLicense: 2143

Expertise.com Rating

Review Sources

Google
5.0 (39)
Facebook
5.0 (33)
Yelp
4.6 (13)

Why choose this provider?

Benchmark Mortgage is open to home loan and refinancing applicants located in areas within Fairfield. Its team's client-centered approach focuses on scrutinizing the financial goals and capabilities of prospective applicants, as well as their desired term durations and interest rates. Its loan officers also educate clients using information that is drawn from changes in the local market and existing rates throughout the mortgage industry. Benchmark Mortgage also supports a variety of local non-profit groups and programs, including Boot’N & Shoot’N and the Brain Treatment Foundation.

  • Reverse Mortgages

1300 Oliver Rd #140, Fairfield, CA 94534
WebsiteLicense: 1859425

Expertise.com Rating

Review Sources

Google
5.0 (68)
Facebook
5.0 (4)
Yelp
5.0 (1)

Why choose this provider?

Network Independent Mortgage Brokers caters to clients in Fairfield and other communities in the Bay Area. It offers them refinancing options and provides them with estimates for review. Other options include VA, FHA, 203(k), 203(h), jumbo, and conventional loans. Additionally, reverse and 80-10-10 mortgages, as well as CHENOA and CalHFA down payment assistance programs, are also available. Its team provides assistance, from the initial phase of document gathering to the final steps of agreement signing. The brokerage has been operating for more than 29 years.

  • New Construction

FAQs

  • 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.
  • Are there different types of home loans available for debt consolidation in Fairfield?

    Yes, there are various home loan options available for debt consolidation in Fairfield. Whether you prefer the stability of a fixed-rate loan or the flexibility of an adjustable-rate loan, you can explore options such as conventional, FHA, jumbo loans, reverse mortgages, USDA loans, and VA mortgages to find the best fit for your needs.

  • What are the costs to consider in refinancing your home in Fairfield?

    When refinancing your home in Fairfield, it is important to consider the costs associated with the process such as application fees, attorney fees, appraisal fees, and title and insurance fees. Some lenders might permit rolling these expenses into the loan balance to eliminate upfront payments, although this will elevate the projected monthly payment. Lenders differ in terms of costs, so exploring various options is advisable.

  • What credit score is generally required to qualify for the best interest rate in Fairfield mortgage refinancing?

    To qualify for the best interest rate in Fairfield mortgage refinancing, it is generally required to have a credit score of 740 or higher. Lending standards have become stricter in recent years, and the most favorable rates are often available to those with the highest credit scores. Being aware of your credit score before engaging with a lender will help you understand the options available.

  • What benefits does refinancing rental properties offer in Fairfield?

    Refinancing rental properties in Fairfield brings several advantages. Through cash-out refinancing, you can tap into unused equity, facilitating home improvements that enhance property value. Moreover, it offers an opportunity to acquire distressed properties at lower prices and benefit from their potential value appreciation over time. This strategic approach not only maximizes current returns but also positions investors for long-term financial gains.

  • What is the minimum waiting period for refinancing a mortgage in Fairfield?

    In Fairfield, conventional loans usually allow refinancing at any time, while cash-out refinances require you to own the home for at least 12 months. FHA loans offer various refinancing options, such as cash-out, rate and term, and streamline refinance. For VA loans, a 210-day waiting period applies, while USDA loans have different rules based on the type of refinance. Jumbo loans, like conventional loans, generally have no strict agency rules, but individual lenders may have requirements.

  • 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.