Best Mortgage Refinance Companies in Hayward

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Aiyars Real logo

Aiyars Real

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

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.

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Alameda Mortgage Corporation logo

Alameda Mortgage Corporation

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

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.

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Freedomstar Financial, Inc. logo

Freedomstar Financial, Inc.

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

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.

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Fresh Home Loan logo

Fresh Home Loan

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

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.

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Pacific Green Funding logo

Pacific Green Funding

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

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.

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RateScout.com logo

RateScout.com

Hayward, CA
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  • New Construction
  • Reverse Mortgages

RateScout.com is an independent mortgage brokerage that caters to the residents of Hayward and the surrounding areas. It sources home financing solutions for clients who want to purchase, mortgage, or refinance a property. Its refinancing programs reduce interest rates and shorten term lengths. The agency also offers a cash-out refinancing option that allows for debt consolidation and home improvement. RateScout.com is owned by Craig Fowler, a mortgage broker with more than a decade's worth of experience in the industry.

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Frequently Asked Questions

Q: What should you expect when refinancing a mortgage?

A: 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.

Q: How often should you refinance your mortgage?

A: 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.

Q: Can you refinance a first mortgage and not a second?

A: 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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