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2024

Last updated:

Best Mortgage Refinance Companies in Modesto

Our Recommended Top 13

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 Modesto 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.

118Reviewed

76Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
1919 Grand Canal Blvd A6, Stockton, CA 95207
  • Reverse Mortgages

Why choose this provider?

H.O.M.E. Lending serves real estate investors and property owners in Modesto and its surrounding communities. Since 2006, the business has been offering mortgage refinance programs, such as conventional, adjustable- and fixed-terms, USDA, FHA financing, down payment assistance, and reverse mortgages. It also handles investment property loans for buying vacation homes or a second property. Loan officer Don Burns helps first-time home buyers in the home selling and purchasing process, including providing mortgage analysis and credit counseling. He has been working in the industry since 2000.

License Verified:

License: 235005

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

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
1127 13th St, Modesto, CA 95354
  • Reverse Mortgages
  • New Construction

Why choose this provider?

NorCal Mortgage provides services to clients in Modesto and the surrounding areas. It specializes in mortgage refinance services to help individuals apply for a new mortgage to pay their existing loans. These mortgage refinancing services also focus on obtaining cash from clients' home equity, reducing interest rates, and changing term length. Its team of loan specialists also caters to individuals needing assistance in purchasing, selling, or building homes. It carries various mortgage loan options, including jumbo, reverse, adjustable- and fixed-rate, and FHA.

License Verified:

License: 1629802

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
Google
4.9 / 5 (46)
Yelp
4.5 / 5 (10)

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
1020 15th Street, Ste 10, Modesto, CA 95354
  • New Construction

Why choose this provider?

Lending For Living serves the locals of Modesto and the surrounding neighborhoods. It offers mortgage refinancing based on clients' unique criteria and scenarios and is created by comparing interest rates and terms. Lending For Living operates a website where clients may read up on the various loan programs offered, use calculators and decision-making tools, and utilize a secure online application. One client attests to the service they received from Amy and Ed, the operators, and how efficiently they handled the loan process.

License Verified:

License: 855360

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 (66)
Facebook
5.0 / 5 (34)
Yelp
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
3430 Tully Rd., Suite. 46, Modesto, CA 95350
  • New Construction

Why choose this provider?

Carrollton Mortgage has been dealing with clients in Modesto since 1989. The company guides homeowners looking to refinance their loans. It helps them achieve a range of financial goals, from lowered payments to shortened program terms. It also offers conventional and jumbo loans, as well as financing programs insured or guaranteed by government agencies like the VA. It has prior experience assisting senior homeowners with reverse mortgage qualification. As part of its work process, the company employs paperless methods.

License Verified:

License: 235659

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
5.0 / 5 (15)
Yelp
4.0 / 5 (10)
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
1000 Belmont Ln, Tracy, CA 95377
  • Divorce Mortgage
  • Government Programs
  • Conventional Lending

Why choose this provider?

Reese Squared Mortgage renders a variety of loan programs to property owners and buyers in the metro of Modesto. The firm provides a variety of mortgage options, including 30- and 15-year fixed, adjustable-rate, and reverse mortgages. Its team's diverse range of lending alternatives also includes conforming, FHA, VA, USDA, 203k, jumbo, and super jumbo loans. Refinancing, purchase, and property evaluations are included in its offerings. The company is part of the Nationwide Multistate Licensing System and Registry.

License Verified:

License: 1849451

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 (49)

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
1156 Scenic Drive, Modesto, CA 95350
  • Reverse Mortgages

Why choose this provider?

Scenic Oaks Funding is a company that offers refinance loans to residents of Modesto. It has a team of 18 loan originators, including five who are bilingual in Spanish and English. They help homeowners who want to get lower payments, shorter terms, or get cash from equity through refinancing loans. The company believes in making the home-buying experience easier and more accessible. It helps clients achieve their goals by offering conventional, FHA, VA, USDA, jumbo, first-time home buyer, low down payment, and investment loans.

License Verified:

License: 252939

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
Yelp
4.5 / 5 (40)
Google
4.8 / 5 (16)

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
301 Banner Ct Ste 3, Modesto, CA 95356
  • New Construction

Why choose this provider?

Team Pulido caters to the mortgage needs of the residents of Modesto. To help them reduce payments or change the duration of their loans, it offers mortgage refinancing options. Tamara Pulido, the leader of the mortgage team, assists first-time homebuyers and real estate investors, as well as veterans and active-duty personnel, in navigating the mortgage process. Team Pulido strives to keep clients informed about the progress of their mortgage loans by returning their calls and responding to their emails.

License Verified:

License: 1655776

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 (17)
Yelp
5.0 / 5 (1)

Website
Modesto, CA 95354
  • New Construction

Why choose this provider?

ARODJR Home Loans serves prospective home buyers in the Modesto metro, helping them acquire their dream real estate properties. Owner Armando Rodriguez helps property owners with existing mortgages use their home's equity and replace their loans with lower rates and monthly repayments. The agency sells loan products from various banks and lenders, such as BluePoint Mortgage, Nations Direct Mortgage, Stearns Lending, and Forward Lending. It offers FHA, conventional, Jumbo, VA, USDA, and adjustable-rate loans. Armando is certified by the NMLS.

License Verified:

License: 1935985

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 (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

Website
3507 Tully Road, Suite 20, Modesto, CA 95356
  • New Construction

Why choose this provider?

Joshua Dobson Team provides mortgage services to clients in Modesto and the surrounding areas. The agency guides individuals in refinancing their existing loans to meet their financial goals and mortgage needs. These refinancing options help lower clients' monthly payments, change loan terms, reduce interests, and take cash from their equity. The agency is also available to serve clients needing assistance with choosing loan programs suitable for their home-purchasing needs. Joshua Dobson Team has more than five decades of industry experience.

License Verified:

License: 190260

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

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
1111 I St Suite 304,, Modesto, CA 95354
  • Reverse Mortgages

Why choose this provider?

Next Gen offers mortgage refinancing assistance to customers throughout Modesto and the surrounding metros. The firm's loan advisors conduct a thorough analysis and give complimentary home value estimations to discover the most suitable refinancing solutions for customers. Since its founding in 2013, the company and its staff, which consists of more than 50 loan officers, have successfully completed deals totaling over $10 billion and have developed and kept up a broad network of mortgage lenders.

License Verified:

License: 1640438

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)

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
1356 Mitchell Rd Suite B, Modesto, CA 95351
  • Reverse Mortgages

Why choose this provider?

Lending Assets serves individuals and families in Modesto and nearby communities. Its loan originators help clients afford a home by providing lower monthly payments, reducing interest rates, debt consolidation, and taking cash out for home improvement. The company also assists borrowers through the entire mortgage process and in overcoming any obstacles that may arise when obtaining any loan option, such as FHA, VA, USDA, jumbo, and conventional. Lending Assets has been in business since 2016.

License Verified:

License: 1886062

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 (68)
Facebook
5.0 / 5 (43)
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
3421 Tully Rd Ste A, Modesto, CA 95350
  • Reverse Mortgages
  • New Construction

Why choose this provider?

IMS Lending offers mortgage refinancing assistance to clients throughout Modesto and the neighboring areas. The firm has been in business since 2011, advising clients of their mortgage refinancing rates and options to help them pay less in interest on their mortgage and reduce monthly payments. It also offers loan options for home buyers, including FHA, VA, USDA, and jumbo loans. Vacation and investment home buyers can also get investment property loans, and the company's agents can help clients find a real estate agent who matches their needs.

License Verified:

License: 2289265

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.
4.4
Google
4.4 / 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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1101 Sylvan Avenue Suite C-102, Modesto, CA 95350
  • Reverse Mortgages

Why choose this provider?

Alameda Mortgage Corp. serves people in Modesto. It provides mortgage refinancing programs to individuals looking to reduce monthly payments, pay off debt, and obtain cash from their home equity. Its mortgage specialists use industry-standard technology and resources to educate clients through the refinance process, from application to closing. They also offer home purchase loans, such as fixed-rate, Jumbo, FHA, VA, USDA, and DPA. The company began operations in 1968 with the goal of revolutionizing the mortgage industry by emphasizing quality over quantity.

License Verified:

License: 271603

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 (44)
Yelp
4.5 / 5 (36)
Facebook
4.6 / 5 (26)

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

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.
  • Is refinancing a common consideration for Modesto homeowners?

    Modesto homeowners frequently refinance to lower interest rates, adjust mortgage terms, switch mortgage types, or tap into home equity for substantial expenses like renovations or repairs using a cash-out refinance. Having a clear objective when considering refinancing is essential, as it involves replacing the existing loan with a new one to achieve a specific goal.

  • What documents are needed to refinance a mortgage in Modesto?

    For an efficient mortgage refinancing application in Modesto, gather your W-2s or tax returns spanning two years, recent bank statements encompassing mutual funds and stocks, your three most recent pay stubs, rental agreements if relevant, divorce-related paperwork, varied income proofs, your current mortgage note, and, for non-U.S. citizens, a Green Card or H-1/L-1 visa.

  • What's the typical loan-to-value ratio needed for refinancing in Modesto?

    A general guideline for individuals or families to successfully refinance in Modesto is having a 90% loan-to-value ratio. This implies that your home's value should be approximately 10% higher than your current loan. Moreover, your property should have appreciated in value since its purchase to meet these criteria for refinancing.

  • Is a home appraisal necessary for mortgage refinancing in Modesto?

    Yes, a comprehensive appraisal is typically required for most mortgage refinancing in Modesto. This procedure is essential and can impact homebuyers. While refinancing an older home might seem problematic due to appraisal requirements, it's possible to refinance without an appraisal. There are instances where lenders might waive the refinance appraisal condition for borrowers with FHA, VA, or USDA loans.

  • How much does mortgage refinancing cost in Modesto?

    Refinancing costs in Modesto can vary, typically from $2,800 to $3,800, depending on the loan size and program. This estimation doesn't include potential lender credits, discount points, or origination fees. You can avoid excessive fees by understanding the refinance process and being prepared. Lowering the cost to refinance is not about hidden knowledge but rather understanding the process and being well-prepared.

  • 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.