Best Mortgage Refinance Companies in Milpitas

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Champion Home Loans Inc logo
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License Verified:

License: 1570362

Nationwide Multistate Licensing System and Registry

Champion Home Loans Inc

372 Fairview Way, Milipitas, CA 95035
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  • New Construction

Business Description

Champion Home Loans is a company whose goal is to provide loans with the lowest rates and closing costs to clients in Milpitas. Its refinancing loan services process begins with assessing clients' borrowing capacity, selecting the right loan program, applying for a loan, processing, and closing the loan. It also offers other loan programs like FHA home loans, VA, USDA, and Jumbo. On their website, Champion Home Loans has a 12-minute secured application required for pre-approval, and it also provides multiple mortgage calculators for clients gauging pay, earnings, and interest rates.

License Verified:

License: 1570362

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.
4.0
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Foley Mortgage logo
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License: 240664

Nationwide Multistate Licensing System and Registry

Foley Mortgage

1660 Hamilton Ave. Ste. 100, San Jose, CA 95125
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  • New Construction
  • Reverse Mortgages

Business Description

Foley Mortgage provides services to clients throughout the Milpitas community and the surrounding areas. It helps homeowners refinance their current mortgage loans to achieve their financial objectives. The company also caters to individuals and families who wish to purchase homes through mortgage loan programs, including FHA, jumbo, ARM, and conforming. Its team is available to provide VA loans to active military personnel and veterans. Foley Mortgage has been operating in the industry since the 1950s.

License Verified:

License: 240664

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 (15)
Facebook
5.0 / 5 (6)
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
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Detail
Hong Hu logo
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License Verified:

License: 1363372

Nationwide Multistate Licensing System and Registry

Hong Hu

Milpitas, CA
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  • New Construction
  • Reverse Mortgages

Business Description

Hong Hu helps Milpitas residents navigate the home refinancing process. Clients can exchange their existing home loans through refinancing to get better terms and rates. The company also provides conventional, conforming, and non-conforming mortgages. Its site includes a mortgage calculator that allows clients to gauge the best mortgage loan for them. Loan officer Hong Hu has been in the industry for over a decade. Aside from first-time home buyers, he also works with self-employed individuals and those who have just moved to the U.S.

License Verified:

License: 1363372

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
John Toepfer logo
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License Verified:

License: 257263

Nationwide Multistate Licensing System and Registry

John Toepfer

6020 Hellyer Avenue, Suite 150, San Jose, CA 95138
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  • New Construction
  • Reverse Mortgages

Business Description

John Toepfer is a senior mortgage planner serving individuals and families across Milpitas and the neighboring areas. John offers mortgage refinancing services to help clients change their current loan rates and terms to suit their financial objectives. He also guides them in choosing loans that fit their home-purchasing needs by offering USDA, VA, FHA, and jumbo and super jumbo loans. He is also available to handle conforming loan programs. John works at Silicon Valley Capital Funding.

License Verified:

License: 257263

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 (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
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Detail
Loan Pros, Inc logo
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License Verified:

License: 2441

Nationwide Multistate Licensing System and Registry

Loan Pros, Inc

San Jose, CA 95002
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  • New Construction

Business Description

Loan Pros, Inc. is a locally owned and operated mortgage company that serves individuals and families in Milpitas and the surrounding areas. It provides refinance loans for purposes such as lowering clients' mortgage rates or home construction. It also offers a wide variety of home purchase loans, including CalHFA, VA, and FHA loans. The business has been in the industry for more than three decades. The company is a member of the Milpitas Chamber of Commerce.

License Verified:

License: 2441

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 (7)
Mobile Home Mortgage logo
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License Verified:

License: 990544

Nationwide Multistate Licensing System and Registry

Mobile Home Mortgage

1270-C Lawrence Station Rd., Sunnyvale, CA 94089
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  • Reverse Mortgages

Business Description

Mobile Home Mortgage serves the refinancing needs of clients throughout Milpitas and the nearby metros. Through the firm's extensive network of lending partners, clients can choose from a variety of refinancing programs to fit their specific needs and goals, whether they are looking to reduce monthly payments, cash out some equity, remove insurance, or consolidate their existing debts. In addition, a wide selection of lending programs is offered to first-time homebuyers, move-up buyers, and seasoned investors.

License Verified:

License: 990544

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
Nationwide Mortgage logo
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License Verified:

License: 32417

Nationwide Multistate Licensing System and Registry

Nationwide Mortgage

1963 O’Toole Way, Suite 200,, San Jose, CA 95131
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  • New Construction

Business Description

Nationwide Mortgage caters to individuals, families, and couples in Milpitas and the surrounding areas. The company helps clients achieve their financial goals by providing them with a variety of refinancing options. It offers government-backed, jumbo, reverse, and conventional loans for housing needs. Nationwide Mortgage has been in the home lending business for over 24 years and has closed more than 11,000 loans. It is also licensed to operate in the states of Washington, Virginia, and Florida.

License Verified:

License: 32417

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.
4.8
Yelp
4.5 / 5 (117)
Google
5.0 / 5 (6)

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
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Supreme Financial Services logo
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License Verified:

License: 256084

Nationwide Multistate Licensing System and Registry

Supreme Financial Services

1649 S Main Ste 107, Milpitas, CA 95035
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  • Reverse Mortgages

Business Description

Since 1987, Supreme Financial Services has been catering to the real estate needs of individuals and families in Milpitas and surrounding areas. Its refinancing options for single-family, multi-family, and investment properties help clients unlock equity, obtain low-interest rates, and lower monthly payments. It analyzes important data and conducts thorough research to assist clients in making informed decisions about their refinance plans. Borrowers are also guided through every step of the loan process by the company.

License Verified:

License: 256084

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)
The Mortgage Outlet logo
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License Verified:

License: 1513224

Nationwide Multistate Licensing System and Registry

The Mortgage Outlet

200 N Almaden Blvd #200, San Jose, CA 95110
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  • New Construction

Business Description

The Mortgage Outlet is a family business that has been serving owners of residential real estate in the Milpitas metro since 1992. Its loan officers—all Finance graduates who share a combined experience of over 50 years—render refinancing services, assisting clients from picking a mortgage option to closing. The Mortgage Outlet offers customized programs, such as 550 Credit Score FHA Refinance, Freddie Mac HomePossible, and Fannie Mae HomeReady. It also provides jumbo and VA refinance loan options.

License Verified:

License: 1513224

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
Google
4.8 / 5 (57)
Facebook
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
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Frequently Asked Questions

What should you expect when refinancing a mortgage?

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.

How often should you refinance your mortgage?

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.

Can you refinance a first mortgage and not a second?

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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