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2024

Last updated:

Best Mortgage Refinance Companies in Hesperia

Our Recommended Top 14

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Hesperia 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.

62

Reviewed

42

Curated

14

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
514 N. California Ave., #71, Beaumont, CA 92223
  • New Construction
  • Reverse Mortgages

Why choose this provider?

US Lender has been serving clients across Hesperia since 2020. The company assists homeowners looking to refinance their loans to achieve goals like decreased monthly payments or shortened mortgage terms. It has worked with clients refinancing their mortgages for the first or fifth time. The company also offers a home equity conversion mortgage, a way for senior homeowners to convert their home equity into cash to fund building repair projects. Its CEO, Rob Peters, has spent more than two decades in the financial services sector.

License Verified:

License: 2033469

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 (5)

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
8291 Utica Avenue Suite 222, Rancho Cucamonga, CA 91730
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Fire Your Landlord is a mortgage broker guiding Hesperia clients towards homeownership. It brings together homebuyers, credit-challenged borrowers, Realtors, and loan officers to tackle funding concerns. Company owner Chris Trapani assesses existing loan status by checking clients' mortgage statements, principal interest rates, monthly payments, and taxes. He determines whether refinancing could help save money through reduced rates, shortened terms, or equity cashouts. He offers various government-backed refinancing options, including VA's interest rate reduction program. Trapani belongs to the American Financial Network.

License Verified:

License: 240870

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 (35)
Facebook
5.0 / 5 (19)

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
2099 S. State College Blvd. #550, Anaheim, CA 92806
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Anaheim Hills Team is part of GEM Mortgage and provides refinancing services to homeowners in Hesperia. The team guides clients in securing refinancing programs that meet various needs, such as rate and term reduction and cashout. The team deploys benefits calculators to aid borrowers in estimating the pros and cons of getting a refinance. GEM Mortgage has been serving the homeownership goals of individuals and families for over 30 years. Additionally, it serves the communities of Texas, Oregon, and Colorado.

License Verified:

License: 247099

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
Facebook
4.7 / 5 (35)

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
11963 Stovall Way, Yucaipa, CA 92399
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Imagine Loan Funding caters to clients throughout Hesperia and the surrounding areas. It offers mortgage refinancing services for current homeowners looking to receive extra cash for their home improvement projects or obtain lower rates. This assistance extends to refinance analysis and pre-approval letters. Its selection of loan products also includes adjustable-rate, FHA, VA, jumbo, 203k, and reverse mortgage loans. Imagine Loan Funding's mortgage brokers, Darren and Shelly Jenkins, have over three decades of combined lending experience.

License Verified:

License: 1866855

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 (2)

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
9431 Haven Ave Ste. 232, Rancho Cucamonga, CA 91730
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Steve Chavarria is a senior loan officer for Nexx Mortgage who provides financing solutions to clients in and around Hesperia. He helps homeowners who wish to lower their interest rates and monthly payments, alter the terms of their loans, or withdraw cash from their home's equity through mortgage refinancing. He also works with 20 different banks to assist homebuyers in securing the loan program that suits their needs, choosing among conventional, FHA, or VA. Chavarria carries more than 17 years of industry experience.

License Verified:

License: 354667

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 (12)

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
415 W. Foothill Blvd. Suite 239, Claremont, CA 91711

Why choose this provider?

First Choice Funding Solutions, Inc., caters to clients in Hesperia and the neighboring communities. It assists homeowners who want to refinance their current mortgages, helping them lower monthly payments, shorten loan terms, and reduce interest rates. Its team offers FHA, VA, conventional, and jumbo mortgages, as well as no income verification and no down payment loan options. The Claremont-based agency customizes second mortgage, construction, and investor loans. It also provides solutions to help individuals rebuild their credit score prior to getting a loan.

License Verified:

License: 250797

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 (2)

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
10722 Arrow Route #306, Rancho Cucamonga, CA 91730
  • Reverse Mortgages

Why choose this provider?

Prism Light Mortgage caters to homebuyers and homeowners in Hesperia and its surrounding areas. It helps borrowers lower their monthly payments and change their mortgage terms by providing them with various refinance solutions based on their specific needs and circumstances, such as FHA, VA, USDA, jumbo, and super jumbo loans. Additionally, it offers cash-out options from customers' home equity. Interest-only, no-doc, and no-closing-cost mortgages are also available. The company's team members process loans using industry-standard technology.

License Verified:

License: 2096784

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 (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

Website
1041 E 16th St, D, Upland, CA 91784
  • Reverse Mortgages

Why choose this provider?

Tom Bass is a Bayport Financial lending agent who caters to individuals and families from Hesperia. He provides comprehensive guidance on the factors and requirements involved in refinancing plans for long-term goals that involve debt consolidation and interest rate reduction. He also has tailored programs that offer potential equity cash-outs for home improvements and tuition fees. Bass organizes property and asset appraisals and delivers informative reports on local marketing influences and interest rate changes as part of his holistic approach to each application.

License Verified:

License: 236823

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
Helpfulness
Detail

Website
8275 Sierra Avenue, Suite 106, Fontana, CA 92335
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Mountain West Financial Inc. is a mortgage company established in 1990. It serves borrowers in Hesperia seeking to refinance their existing mortgage or purchase a home by providing various loan programs, such as USDA, VA, FHA, conventional, and jumbo loans. The firm designs these products considering current financing needs and incorporates technology tools into its services, such as providing a user-friendly mobile application. It also offers specialty down payment and affordable housing programs for military veterans, police officers, firefighters, and teachers.

License Verified:

License: 164497

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.
4.6
Facebook
4.6 / 5 (119)

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
1758 Orange Tree Lane, Suite A, Redlands, CA 92374
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Tyler Tellez offers home financing solutions to residents in Hesperia and the surrounding locations. The mortgage advisor caters to different types of clients, covering investors, homeowners, and first-time homebuyers. To meet their individual needs, he offers various programs such as jumbo and cash-out refinance loans. He also provides reverse mortgages for seniors looking to supplement their income or tap into home equity. In addition, Tellez offers VA loans, which is a government-backed program designed for veterans.

License Verified:

License: 2316182

Nationwide Multistate Licensing System and Registry

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
Lake Arrowhead, CA 92352
  • Reverse Mortgages

Why choose this provider?

Executive Home Loan, Inc., caters to clients throughout Hesperia. The company guides homeowners through the process of refinancing their mortgages. It takes into consideration the client's financial circumstances to help them fulfill a range of goals, from reduced interest rates to modified program terms. The company has experience changing the terms of loan programs backed by the VA, FHA, and USDA. Executive Home Loan is a family-owned enterprise that has been in the industry since 1998. Its team includes members fluent in Farsi.

License Verified:

License: 333194

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 (5)

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
2601 N Del Rosa Ave #205C, San Bernardino, CA 92404
  • New Construction

Why choose this provider?

Noble Mortgage offers services to locals in Hesperia and its surrounding areas. It provides home loan refinancing solutions to clients that plan on lowering their monthly mortgage payments. Its refinancing services also assist homeowners that want to tap the equity in their home or consolidate debt for a better interest rate. The company works with clients to find a loan option based on their specific needs. In addition, it provides FHA, VA, jumbo, HARP, and reverse mortgages.

License Verified:

License: 1840721

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 (10)

Website
12061 Jacaranda Ave Suite 2B, Hesperia, CA 92345
  • Reverse Mortgages

Why choose this provider?

EZ Home Loans serves people residing in Hesperia and the surrounding areas. It helps homeowners lower their monthly payments and interest rates through mortgage refinancing. It also provides a wide variety of lending options for clients looking to purchase a house, including FHA, VA, fixed-rate, and adjustable-rate loans. Additionally, the company's team of loan specialists assists seniors aged 62 and older in applying for a reverse mortgage loan. They guide clients in every step of the loan application process, from pre-qualification to closing.

License Verified:

License: 1950173

Nationwide Multistate Licensing System and Registry

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
12600 Hesperia Road Suite B, Victorville, CA 92395
  • Reverse Mortgages

Why choose this provider?

The Innovation Mortgage Group offers its solutions to clients of the Goldstar Mortgage Financial Group throughout Hesperia. The division's agents help potential applicants consolidate their outstanding debts, improve their interest rates, and obtain home equity cash-outs for domestic initiatives using a variety of refinancing options. They canvass and customize each opportunity in line with each client's credit history, existing loans, and long-term income capabilities. They also provide informative guidance using their knowledge of industry-approved lending procedures, local market trends, and interest rate changes.

License Verified:

License: 258358

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.
1.5
Responsiveness
Friendliness
––
Helpfulness
Detail
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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.
  • When is a good time to refinance in Hesperia?

    Refinancing is often advantageous when mortgage rates in Hesperia are 2% lower than the rate on your existing loan. Even if the interest rate difference is just 1% or less, it can still be a sensible choice since any decrease in the mortgage rate might lower your home payments each month.

  • In Hesperia, what qualifies as a full documented loan?

    In Hesperia, a full documented loan is one in which the applicant's assets and income are both reported and confirmed and where their capacity to pay back the mortgage is based on their income. Both the borrower's bank and their employer must formally verify the borrower's employment and deposits. The borrower's original bank statements, W-2s, and pay stubs are also accepted as alternative documents.

  • Is it feasible to reduce interest rates in Hesperia by making payments through points?

    Yes. If you plan to stay in the property for quite some time, paying discount points to reduce the loan's interest rate is an excellent approach to lower your monthly dues. This also raises the loan amount you can afford to take out in Hesperia. However, if you intend to remain for less than two years, your monthly savings might not be sufficient to cover the upfront cost of the discount points.

  • Is there a specific refinance loan for veterans residing in Hesperia?

    Yes, there is a specific refinance loan for veterans in Hesperia. You may be eligible for this loan regardless of whether you served in the Army, Marines, Navy, Air Force, or Coast Guard and received an honorable discharge or general discharge. Through the IRRRL loan, you can refinance using your VA benefits and borrow up to 100% of the cash worth of your house.

  • Is it possible to take money out of your house or consolidate debt through mortgage refinancing in Hesperia?

    Yes, you may refinance to a lower interest rate and pay off those obligations with higher interest rates in Hesperia. You could also pay less each month if you combine your payments into a single, manageable monthly payment. Refinancing, depending on the loan program that suits you, may also help you pay off your debt more quickly.

  • 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.