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Best Mortgage Refinance Companies in Fairfield

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Benchmark Mortgage logo

Benchmark Mortgage

4123 Solano Ave, Napa, CA 94558
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  • Reverse Mortgages

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.

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Darlene Espinoza logo

Darlene Espinoza

177 Military East, Benicia, CA 94510
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  • New Construction

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.

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Integrus Mortgage logo

Integrus Mortgage

3093 Citrus Cir #145, Walnut Creek, CA 94598
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  • Multi-Family Loans

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.

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Mortgage Masters of California logo

Mortgage Masters of California

338 Cernon Street, Vacaville, CA 95688
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  • Reverse Mortgages

Mortgage Masters of California works with investors, families, and individuals in Fairfield and nearby areas. Its team provides a wide selection of refinancing solutions to help clients achieve their dream residential spaces. The agency conducts consultations to assist buyers in reducing their monthly payments and interest rates. It also guides them in comparing mortgage interest rates and terms and processing refinance analysis requests. The company offers various mortgage programs, including VA, FHA, USDA, jumbo, and fixed-rate loans.

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Pacific Community Lender, Inc. logo

Pacific Community Lender, Inc.

1111 Webster St., Ste. E,, Fairfield, CA 94533
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  • New Construction

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.

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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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