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Best Mortgage Refinance Companies in Marin County

Laurels
2023
Laurels

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101 Home Loans logo
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License Verified:

License: 1819730

Nationwide Multistate Licensing System and Registry

101 Home Loans

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

Business Description

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)
All California Mortgage logo
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License Verified:

License: 1520592

Nationwide Multistate Licensing System and Registry

All California Mortgage

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1501 Fifth Street, San Rafael, CA 94901
  • New Construction

Business Description

All California Mortgage works with clients throughout Marin County. The company advises homeowners seeking to refinance their mortgages and helps them convert a portion of their property's equity into cash. It works on different mortgage programs, including super jumbo and jumbo loans. The company also guides clients through the pre-approval process and sets up loan programs like USDA mortgages. One of its loan officers, Shane Gallagher, has a background in the technology industry and has worked with a range of firms, from Cisco to Microsoft.

License Verified:

License: 1520592

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 (13)

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
America's Home Loans logo
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License Verified:

License: 231434

Nationwide Multistate Licensing System and Registry

America's Home Loans

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

Business Description

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
Clear2Close Brokers logo
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License Verified:

License: 1892447

Nationwide Multistate Licensing System and Registry

Clear2Close Brokers

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

Business Description

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
Fivepoint Realty + Mortgage logo
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License Verified:

License: 1511173

Nationwide Multistate Licensing System and Registry

Fivepoint Realty + Mortgage

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

Business Description

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.
4.7
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
Larry Martinez logo
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License Verified:

License: 256787

Nationwide Multistate Licensing System and Registry

Larry Martinez

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

Business Description

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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PRMI San Francisco logo
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License Verified:

License: 3094

Nationwide Multistate Licensing System and Registry

PRMI San Francisco

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

Business Description

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
ProMortgage logo

License Verified:

License: 238187

Nationwide Multistate Licensing System and Registry

ProMortgage

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

Business Description

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)
Searchlight Lending logo

License Verified:

License: 906159

Nationwide Multistate Licensing System and Registry

Searchlight Lending

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

Business Description

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)
Wayne Wilson logo

License Verified:

License: 1546718

Nationwide Multistate Licensing System and Registry

Wayne Wilson

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

Business Description

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)
West Cal Financial logo
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License Verified:

License: 368447

Nationwide Multistate Licensing System and Registry

West Cal Financial

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

Business Description

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
Yosef Shapiro logo
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License Verified:

License: 896711

Nationwide Multistate Licensing System and Registry

Yosef Shapiro

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

Business Description

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 (64)

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.