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Best Mortgage Refinance Companies in Oakland

2024

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Providers

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Website
3480 Buskirk Avenue, Pleasant Hill, CA 94523
  • Reverse Mortgages
  • NMLS #: 39166

Why choose this provider?

Avenir Mortgage Planners is a mortgage company that has been assisting clients from all over Oakland to purchase or refinance their homes since 2002. Its team shops around with multiple lenders to help clients get the best loan deals on the market. It enables clients who are looking to refinance to get lower interest rates and monthly payments, switch from an adjustable-rate to a fixed rate for more security, reduce the payment term, and receive some cash out for home improvements.

License Verified:

License: 243334

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 (96)
Facebook
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3230 East Broadway Road Suite B-220, Phoenix, AZ 85040
  • Multi-Family Loans

Why choose this provider?

Agave Home Loans provided home refinancing services to clients in Oakland. While the company offers FHA, VA, and conventional mortgages to first-time homebuyers, it also guides current homeowners in finding appropriate refinance options. The company's agents take care of the muscle work in processing loan documents by working with underwriters. They also inform the customers about switching from adjustable-rate to fixed-rate loans. CEO Marshall Gottlieb was a mortgage banking senior director for a large mortgage lender.

License Verified:

License: 1951574

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 (597)
Facebook
5.0 / 5 (91)
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
885 Island Drive, Alameda, CA 94502
  • Reverse Mortgages
  • NMLS #: 39166

Why choose this provider?

Peter Holmes is a venture manager and real estate finance specialist who represents Welcome Home Funding in the Oakland metro. He specializes in helping clients navigate their way through the complex loan processes associated with mortgage refinancing. He is focused on consumer education and is committed to providing personalized mortgage strategies to help clients reduce their interest rates, their monthly payments, and their mortgage terms. Some of the loan solutions he offers include conventional, VA, USDA, FHA, and jumbo loans.

License Verified:

License: 250031

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 (34)

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
877 Ygnacio Valley Road, Walnut Creek, CA 94596
  • Reverse Mortgages
  • NMLS #: 39166

Why choose this provider?

Bridgepoint Funding is a mortgage brokerage assisting Oakland homeowners in the refinancing process. The firm guides individuals looking into refinancing their current home loans to lower their mortgage rates or to shorten payment terms so they can pay off their debts sooner. It strives to communicate with clients in a timely manner during the entire process and ensures that loan approvals go smoothly. Mike Trejo, owner and broker of Bridgepoint Funding, has nearly two decades of experience helping clients navigate the processes of residential mortgages.

License Verified:

License: 1005764

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 (4)
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
2200 Powell St, Suite 340, Emeryville, CA 94608
  • Reverse Mortgages

Why choose this provider?

Newfi is a mortgage company that serves first-time home buyers and residential property investors in Oakland. It offers a wide variety of loan programs, including fixed-rate, adjustable-rate, simple interest, jumbo, Veteran's Affairs, and FHA. It also provides custom-tailored mortgage refinancing services. Its mortgage specialists review credit histories and evaluate estimated monthly rentals for clients' investment properties. Newfi's communication, data collection, and shopping processes are automated. Members of its leadership team have over 100 years of combined industry experience.

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
Google
4.6 / 5 (145)

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
1101 Marina Village Pkwy, Alameda, CA 94501

Why choose this provider?

The Finance Group caters to clients in the Oakland metro and the surrounding communities. It assists homeowners who are looking to reduce their interest rates and restructure loan terms by offering mortgage refinance options. Some of the loan programs it provides are ARM and FRM, construction, home equity, jumbo, FHA, and VA loans. Reverse equity loans are also available. The Finance Group walks clients throughout the process, including pre-qualification, application, processing, underwriting, closing, and summation.

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 (10)
Facebook
5.0 / 5 (5)

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
Oakland, CA
  • Reverse Mortgages
  • NMLS #: 39166

Why choose this provider?

Solcosta Home Loans is a mortgage refinance company serving the residents of Oakland and the adjoining communities. It aims to assist first-time homebuyers, as well as homeowners, look for fitting loan options from several lenders for their specific needs. Solcosta Home Loans also helps clients find suitable refinancing deals, whether to get a cashout, consolidate existing debts, or restructure their existing loans. It also has a wide range of loan options available for clients including conventional, FHA, VA, and jumbo offerings.

License Verified:

License: 1266702

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 (24)

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
2354 Powell Street, Suite B., Emeryville, CA 94608
  • New Construction

Why choose this provider?

Pacific Western Mortgage Group is a team of home loan specialists serving Oakland and the surrounding locations. They offer refinance loans, catering to clients looking to fund education, consolidate debt, and remodel homes. They help clients understand market estimates and calculations according to their refinancing goals, and provide assistance in placing applications with fitting lenders. The mortgage professionals also help homebuyers select from various loan options. In addition, they serve clients looking to grow their investment property portfolios.

License Verified:

License: 332538

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
1980 Mountain Blvd., Suite 209, Oakland, CA 94611
  • New Construction

Why choose this provider?

Greater Bay Mortgage Co. caters to customers in the Oakland metro and the surrounding communities. It assists homeowners looking to modify their properties by offering mortgage refinance programs, such as FHA Streamline 203k loans. These cover improvement projects like appliance installations, HVAC upgrades, and roof repair and replacements. The company also provides other loan options, including adjustable- and fixed-rate, jumbo, USDA, and VA. Principal Terry A. Blete brings over 25 years of experience in the real estate industry.

License Verified:

License: 1107186

Nationwide Multistate Licensing System and Registry

Website
151 Sand Creek Road, Suite G, Brentwood, CA 94513
  • Multi-Family Loans

Why choose this provider?

Christian Carr is a loan officer who serves clients in Oakland. He works with the Fairway Independent Mortgage Corporation to provide homeowners mortgage refinancing solutions. He educates clients on underwater writing, where banks incorporate climate data in their mortgage decisions. The professional also has experience helping clients looking to purchase new homes. Carr has spent more than 15 years in Silicon Valley in multiple roles involving compliance management and finance. He is a member of the Veterans Association of Real Estate Professionals.

License Verified:

License: 1466899

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
1101 Marina Village Pkwy, Suite 201, Alameda, CA 94501
  • Multi-Family Loans

Why choose this provider?

Levias Lending is a full-service mortgage company that serves customers in Oakland and the surrounding areas. Whether a client is looking to purchase a home or refinance an existing mortgage, the company's mortgage advisors can assist from loan program selection to closeout. The refinancing programs include FHA streamline and cash out, VA streamline and cash out, conventional, and jumbo loans. They deal with various types of properties, including single-family and multi-family homes, condos, townhouses, and manufactured homes.

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.
4.9
Google
4.9 / 5 (28)
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

Website
300 Frank H. Ogawa Plaza, Oakland, CA 94612
  • Multi-Family Loans

Why choose this provider?

Citi Capital Mortgage serves clients in Oakland. It offers a variety of mortgage refinancing options for homeowners and homebuyers, including fixed-rate, adjustable-rate, interest-only, graduated payment, jumbo, and FHA loans. The mortgage broker's service is available for a wide range of properties, including single-family homes, multi-family homes, condominiums, townhouses, and manufactured homes. Citi Capital Mortgage also provides an online pre-qualification service that clients can use to compare various financing options, and a mortgage calculator to help them project their potential expenses.

License Verified:

License: 1954999

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
2413 Webb Ave STE E, Alameda, CA 94501
  • Reverse Mortgages

Why choose this provider?

EstaR Mortgage caters to the needs of homebuyers in the Oakland area and the surrounding locations. The firm provides clients with various loan options, which include FHA loans, 30-year fixed mortgages, and VA loans. It also handles USDA loans and adjustable-rate mortgages. Chris Freck, who established EstaR Mortgage in 2016, has 14 years of experience helping and building businesses in multiple states for several mortgage banks. He has been a Certified Mortgage Planning Specialist since 2006.

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 (175)
Facebook
5.0 / 5 (33)
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.
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.
  • What are the benefits of shortening the term of your mortgage loan in Oakland?

    Shortening the term of your mortgage loan in Oakland can help you achieve your financial goals. Through this, you will pay less interest throughout your loan. You may also avoid penalties if you pay off your loan in advance. In addition, you can extend your repayment term if needed.

  • Do you need to appraise your house to refinance in Oakland?

    Maybe. Most of the time, individuals appraise their houses to refinance in Oakland. However, an appraisal may not be required. It still depends upon the situation. You may consult with a home lending advisor to help you determine if you need to have your home appraised before you apply for refinancing.

  • When should you not refinance your current home loan in Oakland?

    You should not refinance your current home loan in Oakland if you are moving soon. You can stick with your current loan unless the interest rates are low and there are high interest rates. In addition, you are encouraged not to refinance your home loan if you are close to paying off your mortgage and the remodeling of your home is ongoing.

  • What are the restrictions and limitations of an FHA streamline refinance in Oakland?

    If you apply for an FHA streamline refinance in Oakland, you must have a previous FHA mortgage. You may not be eligible for this loan if you do not have an FHA home loan. You cannot take more than $500 in an FHA streamline refinance and cannot use this option to refinance another loan.

  • Can you use the money in your home's equity to pay off college student loans in Oakland?

    Yes. You can pay off college student loans in Oakland by using the money in your home's equity. Cash-out refinancing allows you to access and take your home's equity and turn it into cash. You can still get funds from your home's equity even if not fully paid yet with your mortgage debt.

  • 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.