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Best Mortgage Refinance Companies in Hayward

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2023
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Aiyars Real logo

License Verified:

License: 1574655

Nationwide Multistate Licensing System and Registry

Aiyars Real

4701 Rose Way, Union City, CA 94587
  • Multi-Family Loans

Business Description

Aiyars Real is a Union City-based company that caters to people throughout Hayward. It walks individuals through the process of refinancing and addresses their concerns on matters involving rates. The company also provides mortgages for aspiring homeowners. Its other services include representation for property sellers and assistance for clients looking for real estate. Aiyars Real has been operating in the real estate industry for more than a decade and maintains a website containing information on sold listings.

License Verified:

License: 1574655

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 (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
Alameda Mortgage Corporation logo

License Verified:

License: 271603

Nationwide Multistate Licensing System and Registry

Alameda Mortgage Corporation

1475 N. Broadway Suite 310, Walnut Creek, CA 94596
  • New Construction

Business Description

Alameda Mortgage Corporation is a family-owned and family-operated business that works for the residents of Hayward. It offers mortgage refinancing services to help homeowners and homebuyers change the terms of their loans and reduce their interest rates. Its mortgage consultants simplify the processing of fixed-rate, FHA, and USDA loans using the mobile app AMC Vantage, which enables clients to upload and sign documents electronically in an online portal. Alameda Mortgage has been in operation since 1968.

License Verified:

License: 271603

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 (906)
Yelp
4.5 / 5 (36)
Facebook
4.6 / 5 (26)

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
––
Avenir Mortgage Planners logo
Visit WebsiteWebsite

License Verified:

License: 243334

Nationwide Multistate Licensing System and Registry

Avenir Mortgage Planners

Visit WebsiteWebsite
3480 Buskirk Ave, Suite 260, Pleasant Hill, CA 94523
  • Reverse Mortgages
  • New Construction

Business Description

Avenir Mortgage Planners is a team of mortgage brokers that serves customers in Hayward and the surrounding locations. With 20 years in business, the company helps clients with mortgage planning strategies, including refinancing, which lowers interest rates and monthly payments, reduces loan terms, converts an adjustable-rate mortgage into a fixed-rate, consolidates mortgages, and provides cash-outs for home renovations or investments. Broker and owner Greg Lartilleux moved to the San Francisco Bay Area from France in 2002 and started his career as a mortgage planner.

License Verified:

License: 243334

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 (152)
Google
5.0 / 5 (144)
Facebook
4.6 / 5 (32)

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
Central Valley Mortgage Group logo
Visit WebsiteWebsite

License Verified:

License: 252853

Nationwide Multistate Licensing System and Registry

Central Valley Mortgage Group

Visit WebsiteWebsite
5713 N. Pershing Avenue Suite D2, Stockton, CA 95207
  • Reverse Mortgages

Business Description

Central Valley Mortgage Group is a full-service company that helps homeowners and first-time buyers in Hayward. Its brokers offer a number of purchase loan options that suit the needs of clients, such as conventional, FHA, VA, USDA, and jumbo. It also serves local borrowers with refinancing for home improvement and niche programs such as down payment assistance, STAND, GAP, and GSFA. The company's website features helpful resources such as a mortgage payment calculator, a mortgage checklist, and a refinance analysis.

License Verified:

License: 252853

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 (149)
Facebook
5.0 / 5 (38)
Yelp
5.0 / 5 (7)

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
––
Freedomstar Financial, Inc. logo
Visit WebsiteWebsite

License Verified:

License: 1439059

Nationwide Multistate Licensing System and Registry

Freedomstar Financial, Inc.

Visit WebsiteWebsite
111 Deerwood Rd Suite 200, San Ramon, CA 94583
  • Reverse Mortgages

Business Description

Freedomstar Financial, Inc., is a mortgage loan originator that serves Hayward individuals and families. It assists clients who want to increase the value of their homes or make significant repairs by providing renovation loans such as FHA 203(k), FNMA homestyle, and cash-out refinance. The company gives customized options to clients based on their goals and financial needs. Additionally, it provides loan programs for veterans, seniors, and first-time homebuyers. In 2016, Freedomstar Financial was named one of the Top Originators by Scotsman Guide.

License Verified:

License: 1439059

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 (39)

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
Fresh Home Loan logo
Visit WebsiteWebsite

License Verified:

License: 2124104

Nationwide Multistate Licensing System and Registry

Fresh Home Loan

Visit WebsiteWebsite
1151 Harbor Bay Parkway Suite 136, Alameda, CA 94502
  • Reverse Mortgages

Business Description

Fresh Home Loan serves clients in Hayward through its team of independent mortgage brokers. It offers refinancing options, such as FHA streamline, cash out, and 203K programs. Its team also provides HARP, jumbo, conventional, and HELOC loans. Additionally, Fresh Home Loan extends reverse mortgage and credit repair services. Garrick Werdmuller, the company’s president and CEO, has over 17 years of experience in the lending business. Werdmuller was featured in the December 2021 issue of Top Agent Magazine.

License Verified:

License: 2124104

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 (30)
Google
5.0 / 5 (24)

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
Harvest Real Estate Group logo
Visit WebsiteWebsite

License Verified:

License: 1710215

Nationwide Multistate Licensing System and Registry

Harvest Real Estate Group

Visit WebsiteWebsite
20876 Wilbeam Ave, Castro Valley, CA 94546
  • New Construction

Business Description

Harvest Real Estate Group offers mortgage products and refinancing options to clients situated in Hayward and the surrounding areas. These choices include loan programs for house purchases and maintenance projects. Refinancing services are available to make use of reductions in rates after an initial contract is taken out. The company also handles a variety of property management and construction tasks. It started in 1991 and the staff has bilingual members who are proficient in Mandarin.

License Verified:

License: 1710215

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.
4.7
Google
4.7 / 5 (28)
Lane Mortgage logo
Visit WebsiteWebsite

License Verified:

License: 1673314

Nationwide Multistate Licensing System and Registry

Lane Mortgage

Visit WebsiteWebsite
604 Oakes Blvd, San Leandro, CA 94577

Business Description

Lane Mortgage helps Hayward borrowers overcome roadblocks to securing refinancing programs. Its team of loan officers creates refinancing strategies for homeowners planning to secure lower interest rates or shorten the payment term. The staff advises mortgage holders regarding application fees, locking in interest rates, and choosing from various lender options. Additionally, the loan officers cater to the refinancing needs of clients with poor credit histories. Lane Mortgage serves Virginia and is a VCU Alumni Business.

License Verified:

License: 1673314

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 (20)

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
Nest Mortgage logo
Visit WebsiteWebsite

License Verified:

License: 247776

Nationwide Multistate Licensing System and Registry

Nest Mortgage

Visit WebsiteWebsite
318 Diablo Rd, Danville, CA 94526
  • New Construction

Business Description

Nest Mortgage provides services to locals in Hayward. It offers mortgage refinancing solutions, assisting clients through the process of paying off their current loan with a new one that better suits their needs. It helps homeowners find a home loan that has a different term length or has lower interest rates and monthly payments. The company also provides FHA, USDA, VA, and jumbo loans. Kaveh Sartipi, a senior mortgage consultant at Nest Mortgage, has been in the industry since 2002.

License Verified:

License: 247776

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 (48)
Facebook
5.0 / 5 (14)

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
Optimal Loans logo
Visit WebsiteWebsite

License Verified:

License: 1315421

Nationwide Multistate Licensing System and Registry

Optimal Loans

Visit WebsiteWebsite
799 Fletcher Ln #202, Hayward, CA 94544
  • New Construction
  • Reverse Mortgages

Business Description

Optimal Loans helps property owners in and around Hayward find the right financing solution to meet their needs. With a property evaluation in hand, the company offers mortgage refinancing services to better fit a client's financing goals. Customers can avail themselves of a cash-out refinance to take advantage of their property's equity. The company also offers various loan options, including fixed mortgages and FHA loans. Founder Karan Singh has over 10 years of experience in banking and real estate, working in financial risk assessment roles.

License Verified:

License: 1315421

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 (29)
Facebook
5.0 / 5 (26)
Yelp
5.0 / 5 (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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Pacific Green Funding logo
Visit WebsiteWebsite

License Verified:

License: 746372

Nationwide Multistate Licensing System and Registry

Pacific Green Funding

Visit WebsiteWebsite
29300 Kohoutek Way, Suite 110, Union City, CA 94587
  • New Construction

Business Description

Pacific Green Funding serves the Hayward community. It is a mortgage brokerage firm that offers a variety of home purchase and loan refinance programs. These include jumbo, VA, FHA, commercial, and commercial loans. The company strives to help clients reach their home ownership and investment goals by partnering with multiple lenders. Ravi Selvaraj, the manager and broker of Pacific Green Funding, is a home loan expert who works around the clock to help people find programs that fit their needs.

License Verified:

License: 746372

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 (22)
Google
5.0 / 5 (8)
Yelp
5.0 / 5 (6)
Reliance Financial logo
Visit WebsiteWebsite

License Verified:

License: 309198

Nationwide Multistate Licensing System and Registry

Reliance Financial

Visit WebsiteWebsite
11501 Dublin Blvd STE #200, Dublin, CA 94568
  • New Construction
  • Reverse Mortgages

Business Description

Reliance Financial has been catering to Hayward clients since 2004. The company aims to empower first-time homebuyers and real estate investors to find prime mortgage refinancing and purchasing options. Its team is composed of people from diverse cultures and backgrounds, enabling them to embody perspectives that are impactful to customers. They provide clients with personalized guidance by assisting them throughout the loaning process. The company's refinance options come in 15- or 30-year fixed rates. Reliance Financial supports various organizations, including Autism Speaks, that aids children with autism.

License Verified:

License: 309198

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 (126)
Yelp
5.0 / 5 (118)
Facebook
4.8 / 5 (36)

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.
  • 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.