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2024

Last updated:

Best Mortgage Refinance Companies in Marin County

Our Recommended Top 11

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 Marin County 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.

147

Reviewed

92

Curated

11

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
1746 18th Street, San Francisco, CA 94107
  • Reverse Mortgages

Why choose this provider?

PRMI San Francisco is an independent mortgage lending firm serving clients across Marin County. It is one of the many branches of Primary Residential Mortgage Inc. and has its in-house underwriter and processing staff. Division president Michael Koran co-founded the firm in 2008. He utilizes his background in sales, operations, and management to handle complex situations arising during loan transactions and has worked with thousands of homeowners in funding their residential mortgages. Koran has a profile of over $500 million in closed origination volume.

License Verified:

License: 3094

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 (82)
Facebook
5.0 / 5 (6)
Yelp
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
Helpfulness
Detail

Website
1320 19th Hole Drive #205, Windsor, CA 95492
  • Reverse Mortgages

Why choose this provider?

Pinnacle Home Loans is a mortgage refinancing company serving clients in California, Oregon, Colorado, Arizona, and Washington. The business links first-time homebuyers and real estate investors to different loan originators based on their needs. The company uses various digital solutions, including an amortization calculator and Loan Vision, a mortgage accounting tool. Clients can also apply for refinancing through its website. A branch of the business, 101 Home Loans, provides local direct lending services to customers in Marin County.

License Verified:

License: 1819730

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)
Yelp
5.0 / 5 (4)

Website
6 Petaluma Blvd Suite B-8, Petaluma, CA 94952
  • New Construction
  • Reverse Mortgages

Why choose this provider?

America's Home Loans serves clients in the Marin County metro. Its mortgage refinancing options cover single-family homes, townhouses, condominiums, and multifamily units. In addition, the company offers Federal Housing Administration loans and Veterans Association mortgages to support military members. As part of its customer service, a real person answers phone calls from customers to address concerns quickly. The company is a member of the California Association of Mortgage Professionals and the Petaluma Area Chamber of Commerce.

License Verified:

License: 231434

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 (8)
Google
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
369 Suite B Third Street # 410, Larkspur, CA 94939
  • New Construction

Why choose this provider?

Fivepoint Realty + Mortgage caters to customers in Marin County and neighboring communities. Its loan officers have the skills and knowledge to help clients navigate the mortgage refinance process. They use their experience in the mortgage industry to provide customers with timely and accurate financial advice that will help them make informed decisions about buying and refinancing a home. The firm has a variety of loan programs, including asset-based, conventional, bank statement, hard money, bridge, and commercial loans.

License Verified:

License: 1511173

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 (9)

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
1775 Indian Valley Dr., Novato, CA 94947
  • Reverse Mortgages

Why choose this provider?

West Cal Financial offers refinancing solutions to address the homeownership needs of people in Marin County. Led by owner and broker Brandon McGrath, its team helps clients undergo the refinancing process smoothly and obtain better rates. The team provides market analysis and mortgage rate reports to borrowers with refinancing goals like securing lower rates or equity. McGrath is a Realtor who has been in the mortgage industry since 2002. He gives back to the community by supporting local schools through the company's referral program.

License Verified:

License: 368447

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
Facebook
4.8 / 5 (47)
Google
5.0 / 5 (26)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1682 Novato Blvd Ste 152, Novato, CA 94947
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Clear2Close Brokers shops for mortgages on behalf of Marin County residents. It guides those who are aiming to improve their financial situation by refinancing a mortgage with a different term or interest rate. Options include fixed-rate, adjustable-rate, jumbo, and conforming loans that last from 5 to 30 years. Clear2Close Brokers has assisted more than 600 families since it opened in 2019. Paul Olbrantz, its owner, is a taxation master’s degree holder with over 15 years of mortgage origination experience.

License Verified:

License: 1892447

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 (51)
Google
5.0 / 5 (46)

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
11 5th Street, Suite 203, Petaluma, CA 94952
  • Reverse Mortgages

Why choose this provider?

Wayne Wilson is a loan officer for Supreme Lending who caters to individuals and families in Marin County and its surrounding areas. He helps homeowners lower their interest rates and monthly payments through rate-and-term refinancing. He also assists homebuyers in securing financial products that suit their specific needs and circumstances, like adjustable-rate mortgages, fixed-rate mortgages, VA, USDA, FHA, or jumbo loans. Wayne guides clients through the entire process, from loan application to underwriting and closing.

License Verified:

License: 1546718

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 (31)

Website
4304 Redwood Hwy #100, San Rafael, CA 94903
  • Reverse Mortgages

Why choose this provider?

Larry Martinez is a broker who helps homeowners in the Marin County area purchase a new home or refinance their property. He assists clients in qualifying for home mortgage refinancing to get lower interest rates or take out funds they may use for any purpose. For senior citizen clients who need access to their home equity, he answers any questions that may help them decide. Larry Martinez aims to keep his clients informed through prompt communication via email or call.

License Verified:

License: 256787

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 (28)
Yelp
5.0 / 5 (9)

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
1300 Fourth Street, San Rafael, CA 94901
  • New Construction

Why choose this provider?

Searchlight Lending is a boutique real estate mortgage brokerage serving clients in Marin County and the surrounding metros. The group restructures loans and finances residential, commercial, and new construction purchases. More than 50 banks and direct lenders have approved the company for residential lending. Searchlight Lending is affiliated with more than 100 regional specialty lenders and national banks for commercial lending. Chris Piro, a broker with over 17 years of industry experience, leads the team.

License Verified:

License: 906159

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
Google
4.6 / 5 (43)
Facebook
5.0 / 5 (7)
Yelp
1.0 / 5 (1)

Website
1615 5th Avenue, San Rafael, CA 94901
  • New Construction
  • Reverse Mortgages

Why choose this provider?

ProMortgage is a woman-owned firm that assists residential property buyers in Marin County. The company strives to provide personalized services to its clients by working with different lenders and offering a variety of mortgage options. Its team of mortgage brokers also informs the clients of the pros and cons of each product, guiding them in making the right decision. Founder Brenda Cantu had 12 years of experience in a financial institution before establishing ProMortgage in 1997.

License Verified:

License: 238187

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
Yelp
5.0 / 5 (26)
Google
4.7 / 5 (14)
Facebook
5.0 / 5 (7)

Website
1425 N McDowell Blvd. #209, Petaluma, CA 94954
  • Reverse Mortgages

Why choose this provider?

Yosef Shapiro is a mortgage advisor who assists prospective refinancing applicants in communities around Marin County. His consultative approach involves the use of information drawn from assessments of the real estate market and a client's financial means and needs. He identifies and recommends potential refinancing choices from different lenders, following a holistic comparison of existing loan programs and financial options. He also provides house buyers and sellers with various options, like USDA, VA, FHA, jumbo, and conforming loans.

License Verified:

License: 896711

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 (76)

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.
  • What are the limits for low-balance and high-balance conforming loans in Marin County?

    Mortgages in Marin County under $726,200 are considered low-balance, while those over this amount and under $1,089,300 are considered high-balance. Low-balance loans tend to have lower interest rates and consequently, smaller monthly payments. High-balance loans cost more, but still less than jumbo loans. Note that these limits change every year as determined by the Federal Housing Finance Agency (FHFA).

  • How can you prepare your home for a refinance appraisal in Marin County?

    You can clean up your home before an appraisal in Marin County. That said, there is no need to make everything perfect since the goal of the appraisal is determining property value. Just avoid scheduling it at a time when your house is under construction. The appraiser needs to check whether you have a working toilet and utilities, installed carbon monoxide detectors, double-strapped water heaters, and legal kitchen lines. You must therefore make all rooms accessible.

  • Is it worth refinancing to a shorter loan term in Marin County?

    Yes, it is worth refinancing to reduce your loan term in Marin County—if you can afford it. Shorter loan amortization periods usually mean higher monthly payments, but refinancing can also save you interest if the current market rates are low. Paying off your loan faster will not only build equity but also free up your finances when the mortgage ends.

  • Is an adjustable-rate mortgage (ARM) good for you if you plan to stay in a Marin County home for good?

    No, an adjustable-rate mortgage might not be the best if your goal is long-term residence in Marin County. ARMs offer lower interest rates for a fixed period ranging from three to 10 years at the start of your mortgage. The rates will then fluctuate annually. For this reason, an ARM is good only if you plan to move out or refinance after the fixed period of your mortgage or if you can afford an increase in monthly payments.

  • When should you consider refinancing in Marin County if you have a first and second mortgage?

    It makes sense to refinance in Marin County when your home value has increased. You can take advantage of the appreciation and consolidate your loans; this way, you only need to make a single payment. It will be even better if your refinance matches a drop in interest rates, which will allow you to have more savings over the loan term.

  • 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.