Best Mortgage Refinance Companies in Folsom

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.

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.

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.

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.

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.

Iron Point Mortgage assists borrowers in and around Folsom with a range of financing options. Its team of loan officers works with homeowners to get them reduced monthly payments, shorter loan terms, or access to cash through refinancing. The company also provides FHA, VA, USDA, jumbo, and fixed and adjustable-rate mortgages. Kevin Fritz, the branch manager, has over 25 years of experience. He holds a bachelor of science degree with an emphasis on real estate finance.

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.

Mortgage Garage is a lending business in Folsom headed by owner and senior loan officer Michael Kane. Kane offers a cheat sheet and checklist to clients who want to qualify for mortgage loans and refinancing with rates matching their budgets. He keeps borrowers informed through phone calls and emails, helping them search for the right program and close loans on time. Some of his clients include seniors seeking reverse mortgages, investment buyers, move-up and second-home buyers, and first-time house purchasers.

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.

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.

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.