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Best Mortgage Refinance Companies in Napa

2024

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Providers

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Website
5230 Country Lane, Napa, CA 94558
  • New Construction

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.

License Verified:

License: 250696

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 (20)

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
Santa Rosa, CA 95403
  • New Construction

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.

License Verified:

License: 252484

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

Website
1801 Oak Street, Suite B, Napa, CA 94559

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.

License Verified:

License: 332141

Nationwide Multistate Licensing System and Registry

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
1001 2nd St #295, Napa, CA 94559
  • New Construction

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.

License Verified:

License: 1822019

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 (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
3514 Baxter Ave, Napa, CA 94558
  • New Construction

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.

License Verified:

License: 845079

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)
Facebook
5.0 / 5 (10)
Yelp
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
Friendliness
Helpfulness
Detail

Website
5201 Great America Pkwy, Ste 320, Napa, CA 95054
  • Reverse Mortgages

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.

License Verified:

License: 1706701

Nationwide Multistate Licensing System and Registry

Website
1129 Industrial Ave., Suite 102, Petaluma, CA 94952
  • New Construction
  • Reverse Mortgages

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.

License Verified:

License: 277718

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 (14)

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
1655 Chardonnay Way,, St. Helena, CA 94574
  • New Construction
  • Reverse Mortgages

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.

License Verified:

License: 241415

Nationwide Multistate Licensing System and Registry

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
1832 Soscol Ave, Suite #111,, Napa, CA 94559
  • Commercial Loans
  • New Construction
  • Reverse Mortgages

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.

License Verified:

License: 235286

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 (4)
Yelp
5.0 / 5 (3)

Website
Napa, CA
  • Reverse Mortgages
  • New Construction

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.

License Verified:

License: 287257

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 (4)
Yelp
5.0 / 5 (2)

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.
  • 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.