Best Mortgage Refinance Companies in Palmdale

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American Family Funding logo

American Family Funding

28015 Smyth Drive,, Santa Clarita, CA 91355
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  • New Construction

American Family Funding is a full service mortgage broker that has been assisting individual homebuyers, real estate professionals, and builders in the Palmdale metro since 1993. The company offers refinancing options, which allow borrowers to lower interest rates, switch from adjustable to fixed-rate mortgages, or tap into their homes' equity. Its staff also helps people secure home purchase loans through FHA, VA, USDA, conventional, and jumbo programs. Other solutions available include reverse mortgages. American Family Funding is a division of American Pacific Mortgage Corporation.

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California Mortgage Girl logo

California Mortgage Girl

2204 W Avenue M-12, Palmdale, CA 93551
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  • New Construction
  • Reverse Mortgages

California Mortgage Girl responds to the home loan needs of real estate investors, first-time homebuyers, and self-employed entrepreneurs with properties in Palmdale. The business provides various loan options, such as FHA, jumbo, and reverse mortgages. Sales manager Gabriella Godde estimates closing costs, monthly mortgage payments, and down payment needs. She has over 25 years of lending experience. California Mortgage Girl has been featured in multiple publications, including The New York Finance, The Chicago Weekly News, and WRDE Coast TV.

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GM Brokerage logo

GM Brokerage

150 N Grand Ave #208 West, Covina, CA 91791
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  • Reverse Mortgages

GM Brokerage has been dealing with clients throughout the Palmdale metro since 2016. The company guides homeowners through the refinancing process to help them convert a portion of their property's equity into cash or lower their interest rates. It has worked on various mortgage programs, including USDA, FHA, and VA loans. The company also offers non-traditional mortgages for clients like freelancers and foreign nationals. Its primary broker, George Missiha, previously worked as a loan officer at the Banc of California. He is fluent in Arabic.

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HighTechLending logo

HighTechLending

38750 Trade Center Dr, Palmdale, CA 93551
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  • New Construction

HighTechLending (HTL) is a financial firm that offers a variety of loans to clients requiring assistance in funding and refinancing their homes. It leverages technology to expedite the loan process through automated underwriting. The products it offers include USDA, 203(k), VA, reverse, and jumbo loans. HTL is an FHA-approved mortgage bank and direct lender and is an advocate for equal opportunity housing. Its two branches in California cater to borrowers based in Palmdale, Glendale, and the surrounding areas.

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James V. Hecker logo

James V. Hecker

27201 Tourney Rd Ste 200, Valencia, CA 91355
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  • New Construction
  • Reverse Mortgages

James V. Hecker caters to clients in and around the Palmdale area. He has been in the industry for over three decades. He has experience as a home mortgage loan originator, helping homeowners reduce their interest rates or liquidate their assets by structuring new mortgage refinance plans. Hecker provides options for conventional, VA, and FHA loan programs. Additionally, the loan specialist educates property investors, senior citizens, first-time homebuyers, and second-time prospective buyers, guiding them throughout the mortgage process.

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John Trujillo logo

John Trujillo

41331 12th Street West, Palmdale, CA 93551
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  • New Construction
  • Reverse Mortgages

John Trujillo is a loan officer that caters to clients across Palmdale. He educates homeowners on matters related to mortgage refinancing. Trujillo has experience modifying the terms of adjustable-rate mortgages. He also deals with aspiring homeowners and sets up different loan programs, including VA, FHA, and USDA mortgages, as well as conventional and jumbo loans. Trujillo works with home builders, real estate agents, and housing finance agencies to help people, including those who are having trouble paying their bills, become homeowners. 

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Loans by Carl logo

Loans by Carl

10315 Woodley Ave Suite 119, Granada Hills, CA 91344
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Loans by Carl is a mortgage brokerage firm serving Palmdale. The company provides mortgage refinancing to individuals looking to consolidate debt, reduce monthly payments, or shorten their current loan terms. Carl Brackens, the firm's founder and senior mortgage broker, educates clients on the differences between various refinancing programs and assists them in selecting the best option for their financial situation. Brackens runs his own mortgage company, Consumer Home Loans. He previously worked for various mortgage companies and banks before establishing his firm in 2016.

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Mark & Kathy Foster logo

Mark & Kathy Foster

9618 Sweetwater Drive, Santa Clarita, CA 91390
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  • New Construction
  • Reverse Mortgages

Mark & Kathy Foster provides its services to the Palmdale community and the surrounding areas. Its team serves homeowners wishing to refinance their mortgage plans to achieve their financial goals, obtain cash funds, and lower their interest rates. They also cater to first-time homebuyers needing mortgage loan options before purchasing residential properties suitable for their needs and lifestyle. Mark and Kathy have been serving as mortgage brokers for more than 25 years. They also offer services for second-time home buyers.

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Nuhome Team logo

Nuhome Team

440 E Rte. 66, Glendora, CA 91740
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  • New Construction
  • Reverse Mortgages

Nuhome Team caters to individuals and families in the Palmdale metro. It assists clients in refinancing their existing mortgages or applying for new-purhase loans that suit their financial goals. Upon completing a home refinance analysis request, potential homeowners receive options based on their unique criteria and situation. These include adjustable rate mortgages, jumbo and super jumbo, FHA, VA, and conforming loans. Justin Brown, the company's owner, has more than 18 years of experience in the industry.

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The Morrow Team logo

The Morrow Team

624 Commerce Avenue Unit C, Palmdale, CA 93551
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  • New Construction

The Morrow Team is a mortgage brokerage under Neo Home Loans that provides financial assistance to clients in Palmdale who wish to refinance their properties. Its team provides options for first-time homebuyers, including government-guaranteed FHA and VA loans, and offers financing solutions to borrowers looking to purchase investment properties and luxury homes. Conventional and B/C loans are also available as alternatives. The Morrow Team is an equal opportunity lender that has over 30 years of industry experience.

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Frequently Asked Questions

Q: What should you expect when refinancing a mortgage?

A: 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.

Q: How often should you refinance your mortgage?

A: 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.

Q: Can you refinance a first mortgage and not a second?

A: 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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