Best Mortgage Refinance Companies in Napa

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Bay Area Mortgage Pros logo
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License: 1545994

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Bay Area Mortgage Pros

2591 Marshfield Road, Vallejo, CA 94591
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  • Reverse Mortgages

Business Description

Bay Area Mortgage Pros is a local company that has been serving clients in the Napa metro and the surrounding areas since 1992. It assists individuals and families who are seeking to refinance their current mortgages to reduce interest rates, monthly payments, and DTI ratios. It also provides home equity and debt consolidation loan options. The Vallejo-based company offers various mortgage programs that help borrowers acquire manufactured homes, single-family and multi-family residences, condominiums, and townhouses.

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License: 1545994

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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
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Custom Lending Group logo
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License: 845079

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Custom Lending Group

3514 Baxter Ave, Napa, CA 94558
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  • New Construction

Business Description

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
Facebook
5.0 / 5 (9)
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
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Cynthia Kee logo
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License: 241415

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Cynthia Kee

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

Business Description

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
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Dan Hunt logo
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License: 332141

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Dan Hunt

1801 Oak Street, Suite B, Napa, CA 94559
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Business Description

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
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Del Sur Mortgage logo
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License: 1822019

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Del Sur Mortgage

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

Business Description

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.
4.3

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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Greg Wilcox logo
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License: 277718

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Greg Wilcox

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

Business Description

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
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Magdalena Castillo logo
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License: 453589

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Magdalena Castillo

846 Broadway, Suite 101, Sonoma, CA 95476
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  • New Construction
  • Reverse Mortgages

Business Description

Magdalena Castillo is a reverse mortgage professional with American Advisors Group who works with seniors aged 62 and up in the Napa area. She provides reverse mortgage refinance solutions, determining the current value of the home as well as the existing balance prior to undergoing new appraisal and underwriting. She also helps with reverse mortgages, which allow for cash preservation and property expansion. Magdalena has worked in the industry for over 25 years, seven of which she has spent as a reverse mortgage counselor.

License Verified:

License: 453589

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.
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Mitchell Mortgage logo
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License: 287257

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Mitchell Mortgage

Napa, CA
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  • Reverse Mortgages
  • New Construction

Business Description

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)

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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MobileHomeLoans.com logo
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License: 1706701

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MobileHomeLoans.com

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

Business Description

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

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Napa Valley Lending logo
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License: 250696

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Napa Valley Lending

5230 Country Lane, Napa, CA 94558
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  • New Construction

Business Description

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
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Shamrock Mortgage Solutions logo
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License Verified:

License: 235286

Nationwide Multistate Licensing System and Registry

Shamrock Mortgage Solutions

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

Business Description

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)
Stacey  Larson logo
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License: 1269008

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Stacey  Larson

1443 Main Street Suite 115 B, Napa, CA 94559
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  • Reverse Mortgages

Business Description

Stacey Larson, from Geneva Financial, serves the locals of Napa. She provides mortgage refinancing solutions that aid her clients in meeting their goals, such as lowering their monthly payments, converting their adjustable-rate mortgage to a fixed-rate loan, combining a first and second lien to a single loan, or utilizing their home's equity to pay for improvements. These services also include USDA and Veteran Affairs home loans. Larson has more than 10 years of experience as a mortgage loan originator.

License Verified:

License: 1269008

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 (21)
Google
5.0 / 5 (12)

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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