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Best Mortgage Refinance Companies in Fremont

2024

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Providers

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Website
39488 Stevenson PL Suite 100, Fremont, CA 94539
  • Reverse Mortgages

Why choose this provider?

George L. Duarte, CMC, is a mortgage broker that has been providing financial and loaning solutions for residential clients of Fremont and other areas since 1986. Holding a CMC designation from the National Association of Mortgage Brokers, George possesses connections with some of America's largest mortgage lenders. Loan programs offered include property investment, cash-out refinancing, construction loans, and reverse mortgages. George has also been voted in the Annual Argus Reader's Poll as the Best Mortgage Broker in Fremont for several years.

License Verified:

License: 302219

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 (8)
Facebook
5.0 / 5 (4)
Google
5.0 / 5 (1)

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

Website
5960 Stoneridge Drive, Pleasanton, CA 94588
  • Reverse Mortgages
  • NMLS #: 39166

Why choose this provider?

Cal Coast Financial Corp. is a mortgage refinancing company that serves clients in Fremont. The company offers various mortgage loan options for homebuyers and those who are planning to refinance, including fixed-rate loans, adjustable-rate loans, FHA loans, and VA loans. Its team of loan officers and loan processors is committed to securing the mortgage loans and rates that suit the needs of clients. Roger Bakshi established the company in 1995. It has more than 25 years of experience in the lending industry.

License Verified:

License: 328875

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
Yelp
4.2 / 5 (31)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
39899 Balentine Drive, Newark, CA 94560
  • Multi-Family Loans

Why choose this provider?

Inizio is a Newark-based mortgage company that serves home buyers and owners in Fremont. Offering assistance to clients looking into purchasing or refinancing, its team provides guidance with different types of home loans, from USDA, FHA, VA, jumbo, and adjustable to fixed-rate programs. The mortgage advisors work with borrowers, owners, and investors, regardless if they are refinancing or purchasing condominiums, townhouses, manufactured homes, or single-family residences. Inizio's service is anchored on the values of competence, honesty, and integrity.

License Verified:

License: 1659883

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 (8)
Facebook
5.0 / 5 (1)

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

Website
39830 San Moreno Ct, Fremont, CA 94539
  • New Construction

Why choose this provider?

Rate King is a mortgage refinance company that serves clients in Fremont and the surrounding areas. It offers a variety of loan products, including conforming, super conforming, and FHA. It also provides programs commonly offered by investment banks and private investors, such as super jumbo, stated income, commercial, and hard money loans. Rate King has assisted thousands of customers in the area. Past clients praised its team for being transparent in their process and taking the team to explain each part of the mortgage process.

License Verified:

License: 1305006

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

Website
7033 Village Parkway, Dublin, CA 94568
  • Reverse Mortgages
  • NMLS #: 39166

Why choose this provider?

Providential Mortgage provides mortgage refinancing solutions to Fremont and the surrounding areas. It offers refinancing services to clients who are looking to purchase primary residences, vacation homes, and investment properties. Clients can apply for loan programs for single-family, condominium, townhouse, and multi-family houses. The company offers FHA, VA, FRM, and ARM loan programs. With more than two decades of experience in the mortgage industry, the company aims to helo clients overcome challenges and roadblocks in the loan process.

License Verified:

License: 338656

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 (299)

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

Frequently Asked Questions

  • 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.
  • What is the income requirement for low-income individuals to apply for Fremont's Affordable Housing program?

    Applicants with one to five-person households who are considered low income must not exceed an annual income limit of $62,160 to $121,150 to be eligible for Fremont's Affordable Housing program. Low-income families with six to eight-person households, on the other hand, cannot earn more than $102,960 to $148,050 per year to qualify for an affordable housing unit in Fremont.

  • Can a surviving spouse apply for a VA loan in Fremont?

    Yes, surviving spouses in Fremont can apply for VA loans as long as they have not remarried. They may also be eligible for a VA loan if their spouse was a POW for 90 days, was eligible for disability compensation at the time of death, or was killed in service. In Fremont, a surviving spouse must present a certificate of eligibility, including discharge or separation papers, to demonstrate their deceased spouse's military service history.

  • Can an individual use an FHA loan for manufactured homes in Fremont?

    Yes, FHA loans are available for manufactured homes in Fremont as long as they have at least 400 square feet and are the applicant's primary residence. To be eligible for FHA financing, manufactured homes must be connected to utilities, attached to a permanent foundation, and meet federal safety standards. In Fremont, the maximum FHA loan term for manufactured homes is 30 years, with a 3.5% down payment.

  • Why do individuals prequalify for mortgages in Fremont?

    Prequalifying for mortgages in Fremont can provide an estimate of how much a person can borrow based on their income, credit score, employment history, and bank account information. Those looking to prequalify for a mortgage should consult with a lender to help them select a loan option that works for them and compare different mortgage rates. Potential borrowers can be guided by Fremont lenders through the process, which includes calculating monthly payments and obtaining necessary documents.

  • How much is the down payment of FHA loan in Fremont?

    The minimum down payment for FHA loans in Fremont is 3.5%. For example, if the property is worth $500,000, the down payment for an FHA loan is $17,500. FHA loans also have down payment options of 8%, 10%, and 20%. In Fremont, however, the FHA loan amount limit is $1 million per single-family residence and $2 million for four-living units. Establishments with more than four units are classified as commercial and are therefore ineligible for FHA financing.

  • 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.