Best Mortgage Refinance Companies in Modesto

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Alameda Mortgage Corp. logo

Alameda Mortgage Corp.

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

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.

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H.O.M.E. Lending logo

H.O.M.E. Lending

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

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.

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IMS Lending logo

IMS Lending

3421 Tully Rd Ste A, Modesto, CA 95350
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  • Reverse Mortgages
  • New Construction

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.

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Joshua Dobson Team logo

Joshua Dobson Team

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

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.

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Lending Assets logo

Lending Assets

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

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.

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Lending For Living logo

Lending For Living

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

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.

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Next Gen logo

Next Gen

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

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.

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NorCal Mortgage logo

NorCal Mortgage

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

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.

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Team Pulido logo

Team Pulido

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

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.

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Frequently Asked Questions

Q: What should you expect when refinancing a mortgage?

A: 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.

Q: How often should you refinance your mortgage?

A: 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.

Q: Can you refinance a first mortgage and not a second?

A: 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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