Expertise.com

2024

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Best Mortgage Refinance Companies in Napa

Our Recommended Top 10

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Napa 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.

51Reviewed

34Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

5230 Country Lane, Napa, CA 94558
WebsiteLicense: 250696

Expertise.com Rating

Review Sources

Yelp
5.0 (20)

Why choose this provider?

Napa Valley Lending, from C2 Financial Corporation, serves the communities around the metro. It offers mortgage refinancing solutions to clients who are buying homes for the first time, purchasing their dream home, consolidating their debts, or refinancing an outstanding loan. Some of these include loan programs such as FHA, VA, home equity, cash-out home, and jumbo. The branch manager, Ellen Kohagura, is a senior loan officer who has been with the company since 2002. Napa Valley Lending works in partnership with more than 100 approved lenders.

  • New Construction

Napa, CA
WebsiteLicense: 287257

Expertise.com Rating

Review Sources

Google
5.0 (4)
Yelp
5.0 (2)

Why choose this provider?

Mitchell Mortgage is an independent brokerage serving the community from its headquarters in Napa and satellite office in Davis and Woodland. It helps borrowers through the process of refinancing their homes, purchasing a property, or securing jumbo loans. Its owner and broker, Michael Mitchell, helps clients secure loans by reviewing their specific financial needs, comparing products from various providers, and selecting the most appropriate program. He also handles government-backed programs like FHA and VA loans. Mitchell has been in the real estate and finance industry for over 34 years.

  • Reverse Mortgages
  • New Construction

1001 2nd St #295, Napa, CA 94559
WebsiteLicense: 1822019

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Del Sur Mortgage offers financing solutions to customers in the Napa area. It provides various loan programs and mortgage options that may suit clients' financial situations, home goals, and lifestyles. By working on a one-on-one approach, its team creates clear and prompt communication and builds long-term relationships with its client borrowers. Branch manager Chris Salese is a certified Freddie Mac Credit Smart instructor. He has worked in the real estate financing industry for over 15 years.

  • New Construction

1832 Soscol Ave, Suite #111,, Napa, CA 94559
WebsiteLicense: 235286

Expertise.com Rating

Review Sources

Google
5.0 (4)
Yelp
5.0 (3)

Why choose this provider?

Shamrock Mortgage Solutions handles refinancing applications from individuals and families throughout Napa. Its team helps prospective applicants refinance their existing mortgages to reduce their monthly payments, consolidate their debts, and fund college fees and home projects. It also has VA, FHA, and commercial loans for homebuyers and real estate investors. The company draws upon more than 15 years of experience to analyze interest rate changes and local property values, enabling clients to choose the right plans for their financial goals.

  • Commercial Loans
  • New Construction
  • Reverse Mortgages

5201 Great America Pkwy, Ste 320, Napa, CA 95054
WebsiteLicense: 1706701

Why choose this provider?

MobileHomeLoans.com caters to property buyers and investors in Napa metro and nearby locations. Its team helps clients acquire their dream manufactured and mobile homes through its refinancing solutions. The company assists customers in developing refinancing strategies to reduce their monthly payments, shorten their loan terms, and change an adjustable mortgage into a fixed-rate mortgage. It also offers condominium and planned unit development purchase programs. MobileHomeLoans.com has been in the industry for more than two decades and services California, Florida, Texas, Oregon, and Arizona.

  • Reverse Mortgages

3514 Baxter Ave, Napa, CA 94558
WebsiteLicense: 845079

Expertise.com Rating

Review Sources

Google
5.0 (13)
Facebook
5.0 (10)
Yelp
5.0 (6)

Why choose this provider?

Custom Lending Group has been providing mortgage and refinancing programs to clients in Napa for more than 30 years. It offers mortgage refinancing options to reduce monthly amortization, lower interest rates, or cash out from home equity. In addition to refinancing plans, the company provides conventional, FHA, VA, and government loan programs. Dale DiGennaro, the owner and president, has been in the industry since 1986. He also takes an active part in the community as a member of the Greater Napa Kiwanis Club.

  • New Construction

1655 Chardonnay Way,, St. Helena, CA 94574
WebsiteLicense: 241415

Expertise.com Rating

Why choose this provider?

Cynthia Kee is a reverse mortgage specialist at CDC Solutions Inc. She focuses on guiding Napa-based senior adults in navigating the entire loan process, including refinancing a reverse mortgage into another product, such as jumbo, VA, conforming, USDA, and renovation loans. These reverse mortgages help clients in paying off medical emergencies, repairing or remodeling homes, and passing property to heirs. Kee has been active in the mortgage industry for more than 40 years. She also responds to the mortgage needs of Oregon residents.

  • New Construction
  • Reverse Mortgages

Santa Rosa, CA 95403
WebsiteLicense: 252484

Expertise.com Rating

Why choose this provider?

Robert Ortiz is a mortgage broker for California Keys, a loans and realty company that provides mortgage and loan programs to the citizens of Napa. Robert offers a variety of mortgage options, like fixed-rate and adjustable-rate, depending on each client's capacity to pay. Additionally, he assists with the filing of loans like conforming, jumbo, USDA, FHA, VA, and terms from 5 to 30 years. Home purchase and refinance programs are also available. Robert has more than 20 years of professional experience.

  • New Construction

1129 Industrial Ave., Suite 102, Petaluma, CA 94952
WebsiteLicense: 277718

Expertise.com Rating

Review Sources

Google
5.0 (14)

Why choose this provider?

Greg Wilcox is a Northbay Home Loans mortgage broker that caters to individuals and families in Napa and the surrounding areas. He provides various refinancing solutions to homeowners wanting to obtain low-interest rates and cash out from their equity. He guides first-time homebuyers throughout the loan transaction, helping them gain pre-approval and close mortgages on time. Wilcox also works with investment buyers seeking to maximize their ROI, borrowers planning to buy a second vacation home, and seniors looking for reverse mortgages.

  • New Construction
  • Reverse Mortgages

1801 Oak Street, Suite B, Napa, CA 94559
WebsiteLicense: 332141

Expertise.com Rating

Why choose this provider?

Dan Hunt is a loan officer representing Supreme Lending, a mortgage firm established in 1999. He caters to customers across the Napa community, providing mortgage refinancing solutions that allow clients to reduce their payment, interest rate, and overall mortgage term. Hunt aims to educate customers about the loan process and maintains constant communication with borrowers from start to finish. These procedures involve loan application and set-up, underwriting, and closing. His other offerings include government, traditional, and first-time homebuyer loans.

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.
  • Are there areas in Napa that qualify for a USDA loan?

    Most of Napa is eligible. Zip codes in the area include 94576, 94573, 94599, 94515, and 94508. To qualify for refinancing, your USDA mortgage must have been in place for at least a year. You can also get better interest rates if you have good credit and make your payments on time. This type of mortgage typically has two options: USDA Streamlined-Assist Refinance or conventional loan refinance.

  • How can a home equity investment be an alternative to home equity loans in Napa?

    A home equity investment allows you to withdraw cash without paying interest or making monthly payments. Unlike a home equity loan, it is not technically a loan product. It works by agreeing with an investor to provide you with funds in exchange for a stake in your home's future value. Investors are paid back when you sell your Napa home or the term expires. Borrowers with high debt-to-income ratios who want to protect their cash flow and avoid additional monthly payments will benefit from a home equity investment.

  • When is a refinance allowed in a Napa mortgage under the California Department of Housing and Community Development program?

    When there are no cash out agreements with the lender, refinancing is permitted. A cash out occurs when there are additional refinancing fees in addition to the mortgage and escrow closing fees. In some cases, the City of Napa may refuse to approve refinancing a mortgage through the California Department of Housing and Community Development program. One of these is when refinancing does not lower the household's mortgage payment. Another example is when a property's debt exceeds its current market value, unless the situation is exempt.

  • When would it make sense to refinance in Napa if interest rates are low?

    Refinancing is recommended if you can reduce your current interest rates by at least 0.75 percentage points. Others recommend that the optimal interest rate be at least 1% - 2% lower. If your Napa mortgage rate is higher than 6.96%, now is a good time to refinance because this is the current average rate for 30-year fixed-rate loans.

  • What do lenders consider when granting the refinancing interest rate to a borrower in Napa?

    Lenders in Napa consider a variety of factors. Credit score, debt-to-income ratio, home location and type, and loan-to-value ratio are a few examples. The loan term and type can also have an impact on the interest rate that the lender will offer the borrower. Aside from these factors, mortgage rates are influenced by inflation, market conditions, Federal Reserve policy, and economic growth.

  • 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.