Expertise.com

2024

Last updated:

Best Mortgage Refinance Companies in Hayward

Our Recommended Top 12

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Hayward Mortgage Refinance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

94Reviewed

61Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

3480 Buskirk Ave, Suite 260, Pleasant Hill, CA 94523
WebsiteLicense: 243334

Expertise.com Rating

Review Sources

Yelp
5.0 (152)
Google
5.0 (144)
Facebook
4.6 (32)

Why choose this provider?

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.

  • Reverse Mortgages
  • New Construction

5713 N. Pershing Avenue Suite D2, Stockton, CA 95207
WebsiteLicense: 252853

Expertise.com Rating

Review Sources

Google
5.0 (149)
Facebook
5.0 (38)
Yelp
5.0 (7)

Why choose this provider?

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.

  • Reverse Mortgages

1151 Harbor Bay Parkway Suite 136, Alameda, CA 94502
WebsiteLicense: 2124104

Expertise.com Rating

Review Sources

Yelp
5.0 (35)
Google
5.0 (25)

Why choose this provider?

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.

  • Reverse Mortgages

11501 Dublin Blvd STE #200, Dublin, CA 94568
WebsiteLicense: 309198

Expertise.com Rating

Review Sources

Google
5.0 (126)
Yelp
5.0 (118)
Facebook
4.8 (36)

Why choose this provider?

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.

  • New Construction
  • Reverse Mortgages

318 Diablo Rd, Danville, CA 94526
WebsiteLicense: 247776

Expertise.com Rating

Review Sources

Google
4.9 (48)
Facebook
5.0 (14)

Why choose this provider?

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.

  • New Construction

111 Deerwood Rd Suite 200, San Ramon, CA 94583
WebsiteLicense: 1439059

Expertise.com Rating

Review Sources

Google
5.0 (39)
Yelp
5.0 (2)

Why choose this provider?

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.

  • Reverse Mortgages

1475 N. Broadway Suite 310, Walnut Creek, CA 94596
WebsiteLicense: 271603

Expertise.com Rating

Review Sources

Google
5.0 (1146)
Facebook
4.7 (37)
Yelp
4.5 (36)

Why choose this provider?

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.

  • New Construction

604 Oakes Blvd, San Leandro, CA 94577
WebsiteLicense: 1673314

Expertise.com Rating

Review Sources

Google
4.8 (20)

Why choose this provider?

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.

29300 Kohoutek Way, Suite 110, Union City, CA 94587
WebsiteLicense: 746372

Expertise.com Rating

Review Sources

Facebook
5.0 (21)
Google
5.0 (8)
Yelp
5.0 (6)

Why choose this provider?

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.

  • New Construction

20876 Wilbeam Ave, Castro Valley, CA 94546
WebsiteLicense: 1710215

Expertise.com Rating

Review Sources

Google
4.7 (28)

Why choose this provider?

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.

  • New Construction

4701 Rose Way, Union City, CA 94587
WebsiteLicense: 1574655

Expertise.com Rating

Review Sources

Google
5.0 (17)

Why choose this provider?

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.

  • Multi-Family Loans

799 Fletcher Ln #202, Hayward, CA 94544
WebsiteLicense: 1315421

Expertise.com Rating

Review Sources

Google
5.0 (29)
Facebook
5.0 (26)
Yelp
5.0 (4)

Why choose this provider?

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.

  • New Construction
  • Reverse Mortgages

FAQs

  • 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 can refinancing points be favorable for a borrower in Hayward?

    Refinancing points can save the borrower in Hayward more money over time. This is because when they pay in points, they pay more upfront costs, resulting in lower interest rates and more savings. Such an arrangement works best if the borrower keeps the loan for an extended period of time.

  • What are the recent conforming loan limits in Hayward and throughout Alameda County?

    Recently, $1,089,300 is the high-balance conforming loan limit and $726,200 is for the low-balance loan. Loans in between these limits are considered high-balance loans. These limits are based on one-unit properties in Hayward and throughout Alameda County. High-balance loans tend to have slightly higher interest rates and stricter qualifying requirements compared to low-balance loans. For multi-unit properties the limits are:

    • 4-unit property – $2,095,200
    • 3-unit property – $1,685,850
    • 2-unit property – $1,394,775
  • Can you use the Freddie Mac Enhanced Relief Refinance program for investment properties in Hayward?

    Yes, the program can be used in Hayward for investment properties, second homes, and owner-occupied homes. The Freddie Mac Enhanced Relief Refinance program is also available for single-family and multi-family properties. To qualify, your loan-to-value ratio must be greater than 97.01% for a one-unit owner-occupied home. Additionally, your mortgage must have been released on or after October 1, 2017, or it must have been 15 months since it was released. You must also not have been late on any payments in the previous six months.

  • What should you do if you are planning to refinance a Below Market Rate Unit of the City of Hayward Inclusionary Housing Program?

    You must notify the City of Hayward by sending an email to housing@hayward-ca.gov. The request will be subject to approval and must meet the criteria outlined in the Resale Restriction Agreement. There are also minimum requirements, such as the new loan not exceeding the principal amount or the city-provided affordable cost value.

  • Can you apply for a Home Equity Line of Credit (HELOC) if you have an Alameda County Boost program in your Hayward mortgage?

    No, you cannot apply for a HELOC, a home equity loan, or a reverse mortgage. If you do, you will be in direct violation of program requirements and ordered to pay the amount received from the AC Boost program plus property appreciation value. If you have any questions, please contact the County of Alameda Housing and Community Development Department at (510) 670-5404. Visit the department's office in Room 108 at 224 W Winton Avenue, Hayward, CA 94544.

  • 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.