Best Mortgage Refinance Companies in Folsom

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Blue Waters Mortgage & Real Estate Group logo
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License Verified:

License: 884473

Nationwide Multistate Licensing System and Registry

Blue Waters Mortgage & Real Estate Group

850 Iron Point Road #122, Folsom, CA 95630
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  • Reverse Mortgages

Business Description

The Blue Waters Mortgage & Real Estate Group offers various refinancing programs throughout Folsom. Matt Sundermier is the company's owner, and he helps applicants with first-hand knowledge of real estate factors, mortgage processes, and business matters. Along with his coworkers, he offers people custom refinancing options that cover property improvements and outstanding debts. He suggests various financial plans that are modified in response to assessments of local economic elements such as market conditions and interest rates.

License Verified:

License: 884473

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 (17)
Google
5.0 / 5 (11)
Facebook
5.0 / 5 (2)

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.
4.0
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California Home Loans logo
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License: 1981377

Nationwide Multistate Licensing System and Registry

California Home Loans

101 Parkshore Dr. #100, Folsom, CA 95630
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Business Description

California Home Loans caters to clients in the Folsom metro who need to refinance their current mortgage. It offers conventional and FHA loans through mortgage brokers who share more than three decades of combined industry experience. The company also provides reverse mortgages to individuals over 62 years old who own a one-unit residence and are looking to cash out. California Home Loans' Realtor partners include Coldwell Banker, CENTURY 21, eXp Realty, and Jamie Montgomery Real Estate.

License Verified:

License: 1981377

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
Care Finance Group logo
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License Verified:

License: 2060566

Nationwide Multistate Licensing System and Registry

Care Finance Group

187 Blue Ravine Rd., Folsom, CA 95630
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  • Reverse Mortgages

Business Description

Care Finance Group offers mortgage refinance programs to families and individuals in Folsom. Its loan options include conforming, jumbo, USDA, VA, and FHA loans. It focuses on using an education-first approach in handling mortgage transactions. One of the firm's loan officers, Lindsay Sills, has been in the mortgage industry for more than 17 years. She seeks to deliver outstanding customer service by using the problem-solving skills that she gained from her more than 17 years of mortgage experience.

License Verified:

License: 2060566

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
Google
5.0 / 5 (45)
Facebook
5.0 / 5 (37)
Yelp
4.5 / 5 (17)

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
Empire Home Loans Inc. logo
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License Verified:

License: 1839243

Nationwide Multistate Licensing System and Registry

Empire Home Loans Inc.

4401 Hazel Ave., Suite 135, Fair Oaks, CA 95628
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  • Reverse Mortgages

Business Description

Empire Home Loans Inc. caters to first-time homebuyers and seasoned veterans in Folsom and nearby areas. Since 2019, the firm has collaborated with multiple wholesale lenders and investors to compare rates and offer home loan products. Its loan officers guide clients in navigating the home purchasing, refinancing, and selling process. Founding partner and mortgage broker Anthony Lombardo has been active in the industry for over 15 years. He is a former chapter President of the California Association of Mortgage Professionals.

License Verified:

License: 1839243

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 (286)
Facebook
5.0 / 5 (97)

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
Folsom Lake Lending logo
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License Verified:

License: 2094973

Nationwide Multistate Licensing System and Registry

Folsom Lake Lending

981 Governor Dr. #102, El Dorado Hills, CA 95762
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Business Description

Folsom Lake Lending assists first-time homebuyers, investors, and high net worth and self-employed individuals in the metro throughout the financing process. It helps borrowers cash out, consolidate debts, lower monthly payments, pay off loans faster, or switch to a fixed-rate option through refinancing. Its mortgage originator, Jason Alcazar, educates clients on different loan programs that fit their financial goals, such as conventional, FHA, jumbo, renovation, USDA, and VA options. He strives to keep transactions on track and continues to serve as the clients’ resource even after closing loans.

License Verified:

License: 2094973

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 (13)
Facebook
5.0 / 5 (5)

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
Masters Team Mortgage logo
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License Verified:

License: 265226

Nationwide Multistate Licensing System and Registry

Masters Team Mortgage

785 Orchard Dr Suite 250, Folsom, CA 95630
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  • Reverse Mortgages

Business Description

Masters Team Mortgage attends to the home financing needs of residents in and around the Folsom area. It assists individuals planning to refinance current loans, covering those who own a townhouse, manufactured home, condo, single-family property, and multi-family residences. Its team also works with clients looking to finance home purchases, offering a variety of loan programs and investment tools to meet their individual needs. Masters Team Mortgage has an in-house program for homebuyers, which offers more flexibility.

License Verified:

License: 265226

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
Google
4.9 / 5 (159)
Yelp
5.0 / 5 (75)

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
Reliance Home Loans logo
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License Verified:

License: 243997

Nationwide Multistate Licensing System and Registry

Reliance Home Loans

950 Glenn Drive, Suite 265, Folsom, CA 95630
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  • Reverse Mortgages

Business Description

Reliance Home Loans is a local, full-service company offering refinancing strategies to borrowers in Folsom. It provides refinancing programs such as FHA 203K, VA cashout, and USDA and FHA streamline loans. Its professionals identify each borrower's needs to find out mortgage programs suited for them. Additionally, the company implements digital processes to support the homeownership goals of clients. One of its professionals, Evangeline Scott, is a Certified Mortgage Planner and was awarded Folsom Telegraph's 2022 Best of the Best.

License Verified:

License: 243997

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.
4.2
Google
4.9 / 5 (104)

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
The Mortgage Company logo
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License Verified:

License: 1729528

Nationwide Multistate Licensing System and Registry

The Mortgage Company

1839 Iron Point Road, Suite 100, Folsom, CA 95630
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  • New Construction

Business Description

The Mortgage Company provides services to the people of Folsom and the surrounding areas. It seeks to provide individualized guidance and assistance for home purchasing and refinancing specific to borrowers' financial conditions. Its loan specialists collaborate with clients through the entire process, from application to closing. They send real-time updates to customers while their loans are in process to keep them informed. The Mortgage Company has been delivering home financing solutions to the community since 2017.

License Verified:

License: 1729528

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.
4.8
Google
4.8 / 5 (16)
Facebook
5.0 / 5 (5)

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
VALoansofCalifornia.com logo
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License Verified:

License: 16095

Nationwide Multistate Licensing System and Registry

VALoansofCalifornia.com

3000 Lava Ridge Ct., #220, Roseville, CA 95661
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  • New Construction
  • Reverse Mortgages

Business Description

VALoansofCalifornia.com provides mortgage services to active-duty and retired military members in Folsom and the surrounding areas. It offers VA home loan programs for individuals who wish to purchase properties suitable for their financial needs and goals. It also refinances clients' current loans to help them change their terms or monthly payments. In addition to VA loans, the company carries other loan options, including USDA, FHA, conventional, and reverse mortgages. It extends its services throughout Sacramento, Elk Grove, Roseville, Stockton, and Fresco.

License Verified:

License: 16095

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
Western Heritage Financial logo
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License Verified:

License: 250823

Nationwide Multistate Licensing System and Registry

Western Heritage Financial

4949 Windplay Dr. Ste. 125, El Dorado Hills, CA 95762
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  • New Construction
  • Reverse Mortgages

Business Description

Since 1980, Western Heritage Financial has been dealing with clients throughout Folsom. The company addresses the concerns of homeowners regarding the cash-out refinance program, a solution that allows them access to their property equity. It also assists clients seeking to refinance their mortgages to lower their interest rates. It has worked with owners of different properties, including condos, manufactured homes, and townhouses. For foreign nationals aiming to invest in the U.S. real estate market, the company provides specialized loans that require no U.S. credit history.

License Verified:

License: 250823

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 (13)
Facebook
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
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Frequently Asked Questions

What should you expect when refinancing a mortgage?

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.

How often should you refinance your mortgage?

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.

Can you refinance a first mortgage and not a second?

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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