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Best Mortgage Refinance Companies in Fremont

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Associated Mortgage Group logo
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License Verified:

License: 297860

Nationwide Multistate Licensing System and Registry

Associated Mortgage Group

39180 Liberty Street, Fremont, CA 94538
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  • Reverse Mortgages

Business Description

Associated Mortgage Group is a team of mortgage professionals who provides financial loan services to individuals in the Fremont metro. They accommodate first-time homebuyers with their real estate transactions as well as clients who need assistance in debt consolidation and previous loan refinancing. Associated Mortgage Group also offers a range of loan programs such as home equity, cash-out home, jumbo home, FHA, and VA loans. It provides a written pre-approval certificate that is presented during the loan process.

License Verified:

License: 297860

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 (1)
Cal Coast Financial Corp logo
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License Verified:

License: 328875

Nationwide Multistate Licensing System and Registry

Cal Coast Financial Corp

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

Business Description

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.
4.4

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
Responsiveness
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––
First Rate Mortgage logo
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License Verified:

License: 298938

Nationwide Multistate Licensing System and Registry

First Rate Mortgage

3100 Mowry Avenue, Fremont, CA 94538
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  • New Construction

Business Description

Based in Fremont, First Rate Mortgage assists individuals in the area by providing loans and refinancing solutions. First Rate Mortgage has access to various lenders for different loans such as hard money, conforming, jumbo, first home buyer, and FHA VA. The company offers home loans for clients in California and commercial loans for clients across the United States. Robert Manseau founded First Rate Mortgage in 1993 and has served as its president since. He has over 27 years of experience in the financing industry.

License Verified:

License: 298938

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
Facebook
5.0 / 5 (3)
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
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George L. Duarte, CMC logo
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License Verified:

License: 302219

Nationwide Multistate Licensing System and Registry

George L. Duarte, CMC

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

Business Description

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
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
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Inizio logo
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License Verified:

License: 1659883

Nationwide Multistate Licensing System and Registry

Inizio

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

Business Description

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)

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
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Kenneth Lee logo
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License Verified:

License: 291318

Nationwide Multistate Licensing System and Registry

Kenneth Lee

3340 Walnut Ave Ste 110, Fremont, CA 94538
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  • New Construction

Business Description

Kenneth Lee offers mortgage consulting and caters to the loan refinancing needs of clients in Freemont, and the neighboring metros. He is the senior vice president of mortgage lending in Guaranteed Rate Affinity, the product of a partnership between mortgage specialist, Guaranteed Rate, Inc., and Realogy Holdings Corp's real estate division, NRT. It leverages the companies' resources and industry expertise to provide clients with an online platform where they can secure a purchase loan, or refinance their existing one.

License Verified:

License: 291318

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 (15)

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
Nationwide Residential Lending logo
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License Verified:

License: 275281

Nationwide Multistate Licensing System and Registry

Nationwide Residential Lending

8167 Regency Drive, Pleasanton, CA 94588
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  • New Construction

Business Description

Nationwide Residential Lending is a mortgage lender in Fremont that specializes in residential home loans. Its loan programs include refinancing, new construction, jumbo, VA, and first-time buyer loans. The company also provides 100% and 125% financing, fixed-rate and adjustable-rate mortgages, and investment property loans. Nationwide Residential Lending aims to answer all its clients' questions and concerns and educate them on the different terms used in the mortgage lending process. Moreover, its website has an amortization calculator tool.

License Verified:

License: 275281

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
Providential Mortgage logo
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License Verified:

License: 338656

Nationwide Multistate Licensing System and Registry

Providential Mortgage

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

Business Description

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
Rate King logo
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License Verified:

License: 1305006

Nationwide Multistate Licensing System and Registry

Rate King

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

Business Description

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
Yelp
5.0 / 5 (3)

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
TransGlobal Lending - Fremont logo
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TransGlobal Lending - Fremont

3340 Walnut Avenue, Fremont, CA 94538
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Business Description

TransGlobal Lending - Fremont is a mortgage refinancing company that serves Fremont and surrounding communities. The company's goal is to provide clients the highest quality home loans but with the lowest mortgage rates. This can be achieved through fixed-rate loans, reverse mortgages, and balloon mortgages and pledge asset loans. Aside from this, the company also offers condominium loans, USDA loans, and conventional loans. The Fremont office was established in 1994, while the parent company has more than 30 years of experience in the field of financial planning and management.

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 (11)

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
Responsiveness
Friendliness
Helpfulness
Detail
––
Back to Providers

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.

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.

How does mortgage refinance work?

The mortgage refinance process begins with choosing a broker and filling out loan application information. The process continues through underwriting and closing. The new mortgage is then used to pay off and close your original mortgage loan. This leaves you with a new loan and mortgage payment to manage each month.

When should you refinance a mortgage?

If your credit score has improved or mortgage interest rates have dropped, refinancing can potentially save you money. Other reasons to refinance your mortgage include getting a fixed rate instead of an adjustable one or getting a shorter loan term. An increase in your home’s value that can let you access more equity is another reason to refinance.

How much does it cost to refinance a mortgage?

The average cost to refinance a mortgage is $5,000. This amount varies, based on the state and county where the property is located and the loan amount. Common fees incurred when refinancing a mortgage include:

  • Appraisal fee
  • Broker’s fee
  • Credit check fee
  • Loan application fee
  • Recording fee
  • Title search and insurance fee

How soon can you refinance a mortgage?

Some lenders make borrowers wait a minimum of six months before accepting a new mortgage refinancing application. However, when that happens, borrowers can check with other lenders to find one that doesn’t require a wait before refinancing. A mortgage refinance broker can guide you to lenders that allow immediate refinancing.

How long does it take to refinance a mortgage?

The average amount of time it takes to refinance a mortgage is 45 days. In some cases, it may be possible to get it done faster. There also may be times when it takes longer to get a mortgage refinanced.

What is the average closing cost to refinance a mortgage?

The average closing cost when refinancing a mortgage is $4,345. Closing costs may be much higher or lower depending on the amount of money borrowed. If you see an ad that says there are no closing costs, the costs are factored in elsewhere in the terms of the loan.

How often can you refinance a mortgage?

You can refinance a mortgage as often as you like, however, if you refinance frequently, it can cost more in fees than you save on interest. Some reasons for refinancing repeatedly include a sharp drop in interest rates or going through a life event, such as a divorce.

When is it worth it to refinance a mortgage?

It’s worth it to refinance when interest rates drop and refinancing will save you money. It also may be worth refinancing if you need to access some of your home’s equity to cover other expenses. Refinancing may be worthwhile if you're switching from a variable to a fixed rate mortgage.

Can you refinance a mortgage with no closing costs?

You can refinance a mortgage without paying closing costs at the time. However, those costs are still owed and are factored in elsewhere in the financing. Lenders either add the costs to the principal owed or increase the interest rate on your refinanced mortgage loan.

Can you refinance a home equity loan into a mortgage?

You can refinance a home equity loan into a mortgage in some situations. You have to have excellent credit to do this. Additionally, you must have enough equity in your home to qualify for a new mortgage that pays off the existing mortgage and your home equity loan.

Can you refinance a mortgage without a job?

In some situations, you can refinance your mortgage if you don't have a job. It depends on the lender, because some will allow it and others won’t. A qualified mortgage refinance broker can help connect you with lenders that consider your situation. You have to submit documentation about your unemployment and the income you have.

Can you refinance a mortgage with bad credit?

It’s possible to refinance a mortgage if you have bad credit. If your payment record with your current lender is good, you can discuss refinancing with that lender. You may also be able to refinance a mortgage by going through a government-backed lender, such as the USDA or FHA.

Can you refinance a second mortgage?

It’s possible to refinance a second mortgage. If your credit score improves or interest rates drop, refinancing a second mortgage may save you money. Either of these situations can provide a way for you to get a lower interest rate. Refinancing a second mortgage can also sometimes shorten your loan repayment period.

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.

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.

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.

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