Best Mortgage Refinance Companies in Oakland

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Agave Home Loans logo
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License: 1951574

Nationwide Multistate Licensing System and Registry

Agave Home Loans

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

Business Description

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.

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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.
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Avenir Mortgage Planners logo
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License: 243334

Nationwide Multistate Licensing System and Registry

Avenir Mortgage Planners

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

Business Description

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)

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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Bridgepoint Funding logo
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License: 1005764

Nationwide Multistate Licensing System and Registry

Bridgepoint Funding

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

Business Description

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
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Christian Carr logo
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License: 1466899

Nationwide Multistate Licensing System and Registry

Christian Carr

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

Business Description

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
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Citi Capital Mortgage logo
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License: 1954999

Nationwide Multistate Licensing System and Registry

Citi Capital Mortgage

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

Business Description

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.
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EstaR Mortgage logo
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EstaR Mortgage

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

Business Description

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 (156)

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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Greater Bay Mortgage Co. logo
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License Verified:

License: 1107186

Nationwide Multistate Licensing System and Registry

Greater Bay Mortgage Co.

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

Business Description

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

Levias Lending logo
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Levias Lending

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

Business Description

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.
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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Newfi logo
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Newfi

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

Business Description

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 (129)

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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Pacific Western Mortgage Group logo
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License Verified:

License: 332538

Nationwide Multistate Licensing System and Registry

Pacific Western Mortgage Group

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

Business Description

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
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Peter Holmes logo
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License: 250031

Nationwide Multistate Licensing System and Registry

Peter Holmes

885 Island Drive, Alameda, CA 94502
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  • Reverse Mortgages
  • NMLS #: 39166

Business Description

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

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
Solcosta Home Loans logo
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License Verified:

License: 1266702

Nationwide Multistate Licensing System and Registry

Solcosta Home Loans

Oakland, CA
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  • Reverse Mortgages
  • NMLS #: 39166

Business Description

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
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The Finance Group logo
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The Finance Group

1101 Marina Village Pkwy, Alameda, CA 94501
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Business Description

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
Back to Providers

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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