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2024

Last updated:

Best Mortgage Refinance Companies in Pasadena

Our Recommended Top 12

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Pasadena Mortgage Refinance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

86

Reviewed

56

Curated

12

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
607 Foothill Blvd #494, La Cañada Flintridge, CA 91011
  • Multi-Family Loans

Why choose this provider?

The Friendly Lender offers home loan and refinancing options to first-time home buyers, existing homeowners, and property investors in the Pasadena community. The business assists homeowners in arranging a new loan with a lower interest rate. The refinancing strategy also helps clients take some cash out of their homes. Mortgage professional David Kutner draws on his more than 30 years of experience in the real estate industry when working with clients. Even after the transaction closes, Kutner is available to answer questions from clients.

License Verified:

License: 327145

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 (133)
Google
5.0 / 5 (64)

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
305 Pasadena Ave., South Pasadena, CA 91030
  • New Construction

Why choose this provider?

Abdo Pierre Faissal Realty addresses the mortgage concerns of families and individuals in Pasadena. Its team helps investors and buyers acquire different types of residential spaces, such as multi-family and manufactured homes, condominiums, and townhouses. Some of the investment properties have garage spaces, fireplaces, waterfronts, and heating and cooling systems. The company assists clients in developing refinancing solutions to lower interest rates, remove mortgage insurance, and convert adjustable-rate into fixed-rate mortgages. It also offers conventional, jumbo, FHA, and VA loans.

License Verified:

License: 1975224

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.
4.9
Google
4.9 / 5 (54)
Yelp
5.0 / 5 (27)
Facebook
5.0 / 5 (10)

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
305 Pasadena Ave., South Pasadena, CA 91030
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Huntington Mortgage is a South Pasadena-based brokerage that offers financial solutions to local mortgage applicants. Its team assists clients in consolidating their debts, improving their monthly payments, and reducing their interest rates using a variety of comprehensive refinancing options. It maximizes its knowledge of the local market, having more than two decades of experience in the mortgage industry. It also provides VA, FHA, jumbo, and conventional loan options, which are canvassed from different lenders for both first-time and seasoned homebuyers.

License Verified:

License: 359061

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.
4.9
Yelp
5.0 / 5 (42)
Google
4.8 / 5 (21)
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
14351 Euclid St, Ste 1W, Garden Grove, CA 92843
  • Reverse Mortgages

Why choose this provider?

Kaung Tin is a loan mortgage originator helping Pasadena clients find home refinancing solutions. His refinancing programs work to adjust interest rates and monthly payments, as well as gain cash from home equities. Tin represents Loan Factory, a mortgage broker that has closed over $11 billion in borrowings since 2006. He provides detailed rate comparisons and access to more than 30 lenders, including Amerihome, PennyMac, Plaza, Fairway, and Nations Direct. He also negotiates terms with lenders and updates clients on market rate movements.

License Verified:

License: 2088940

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 (59)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1055 E. Colorado Blvd, Suite 500, Pasadena, CA 91106
  • Reverse Mortgages

Why choose this provider?

First Kings is a Pasadena-based business that deals with clients across the local metro. For homeowners looking to reduce their interest rates or change their mortgage term length, the company offers refinancing assistance. It works on loans guaranteed by government agencies like the VA and USDA. The company also provides fixed-rate and adjustable-rate mortgages for clients seeking homeownership. Michael King, its owner, once worked as a realtor for the firm Prudential California Realty. He has been in the industry for over two decades.

License Verified:

License: 1935679

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 (20)
Yelp
5.0 / 5 (20)
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
122 W. Sierra Madre Blvd Unit D, Sierra Madre, CA 91024
  • New Construction

Why choose this provider?

Beacon Mortgage serves clients across Pasadena and its neighboring areas. It provides loan products for refinancing and purchasing various types of properties, from single-family and multi-family homes to townhouses, manufactured homes, and condominium units. It provides FHA and VA streamline and cashout programs, as well as jumbo and conventional loans. Its team works with borrowers who want to lower their interest rates and monthly payments, change the terms of their loans, or consolidate their debt. It also provides reverse mortgage programs.

License Verified:

License: 1529771

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 (30)

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
2920 Huntington Dr, Ste 100, San Marino, CA 93063
  • Reverse Mortgages

Why choose this provider?

Emory Financial is a mortgage brokerage that offers its services to clients in Pasadena and the neighboring communities. The firm offers assistance to customers who are considering refinancing their homes by educating them about the entirety of the mortgage procedure and assisting them in every step of the process. It also helps clients seeking to purchase new homes by offering fixed-rate and adjustable-rate mortgage options. One of its mortgage agents, Derek Shao, has been in the industry for more than a decade.

License Verified:

License: 393986

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 (39)
Google
5.0 / 5 (29)

Website
553 S Marengo Ave, Pasadena, CA 91101
  • New Construction

Why choose this provider?

Kennedy Capital delivers refinancing solutions to mortgage borrowers in the Pasadena metro. Its team assists in the refinancing of different home types, such as townhomes, condo units, and manufactured homes. The team takes the time to identify clients' needs and develops strategies to overcome obstacles that banks were unable to fix. Kennedy Capital has been serving the homeownership needs of the community for more than 22 years. It also provides options for online loan application.

License Verified:

License: 332860

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1055 E Colorado Blvd STE 500, Pasadena, CA 91106
  • New Construction

Why choose this provider?

Signature Home Mortgage caters to residents of Pasadena who are in the market for loan and refinancing solutions. The team's programs include fixed-rate and interest-only options. Government products backed by the VA and FHA are available, and the firm's agents rearrange existing debts to obtain less burdensome terms and conditions. Signature Home Mortgage follows a five-step process that involves determining borrowing capacity, selecting a loan program, applying for the loan, processing, and closing. Online calculators are on hand to provide preliminary information prior to meeting an agent.

License Verified:

License: 1933381

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.
4.8
Google
5.0 / 5 (53)

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
790 East Colorado Blvd, 9th Floor, Pasadena, CA 91786
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Oak Tree Home Loans & Finance provides mortgage refinancing plans for clients in the Pasadena area and nearby communities. These plans comprise refinance consulting, pre-approvals, and reverse mortgages. Streamline and cash-out options for FHA and VA loans are available, as well as conventional, commercial, and jumbo refinancing programs. Oak Tree also caters to all kinds of buyers, from first-timers to real estate professionals. The firm has been in the industry for more than 20 years.

License Verified:

License: 285072

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 (7)
Facebook
5.0 / 5 (5)
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
80 South Lake Avenue, Suite 520, Pasadena, CA 91101
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Right Start Mortgage is a full-service lending company serving clients in and around Pasadena. Its specialists assist borrowers seeking to refinance or replace their current mortgages for various purposes, such as consolidating debts, shortening loan terms, reducing monthly payments, or cashing out equity for home improvements. They also accommodate clients who want to purchase their first homes through FHA, VA, USDA, jumbo, or conventional financing. The family-owned agency has been providing mortgage solutions for more than three decades.

License Verified:

License: 35960

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.
4.6
Google
4.6 / 5 (70)
Facebook
4.6 / 5 (19)
Yelp
4.5 / 5 (13)

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
305 Pasadena Avenue, South Pasadena, CA 91030
  • New Construction

Why choose this provider?

Khaled Tizani caters to clients across the Pasadena metro. He guides individuals through the mortgage refinancing process and has experience with cash-out programs. Tizani has worked with clients refinancing their homes for the second time. He also arranges loan programs, such as FHA and VA mortgages, for people looking to buy a variety of properties, such as multi-family residential buildings, industrial properties, offices, and manufacturing plants. Tizani has a bachelor's degree in finance and economics. He is fluent in Arabic.

License Verified:

License: 880587

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 (144)
Yelp
5.0 / 5 (7)
Facebook
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

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.
  • Is it possible to refinance your home more quickly in Pasadena by sticking with your present lender?

    Yes. Your most recent financial data is available to your current Pasadena lender. By sticking with your current loan provider, you should be able to refinance quite fast rather than having to do a ton of paperwork with other lenders. All of this still hinges on whether you informed your lender of any recently made investments or purchases.

  • Do Pasadena adjustable-rate mortgage interest rates have a limit on how high they may go?

    Yes. In Pasadena, there is a limitation on the increase in interest rates for ARMs. The various ARM cap restrictions that limit the maximum the interest rate on your loan can go, regardless of the market rate, are as follows:

    • Lifetime rate cap, which imposes a ceiling on the potential increase in interest rates over the course of a loan.
    • Periodic cap limit, which restricts the annual growth of your interest rate.
    • Payment cap limit, which imposes a dollar ceiling on the amount of your monthly payment.
  • How much equity in your home must you have to qualify for a refinance in Pasadena?

    To qualify for a refinance in Pasadena, you must have at least 20% equity in your house. If you haven't reached that point yet, you should think about making an additional payment on your mortgage or spending above your regular monthly payment to reduce the principal. Mortgage refinance businesses in Pasadena consider more factors than just the value of your property when determining whether to approve you for a refinance, including your credit rating, work situation, and level of income stability.

  • How do you calculate the break-even point of your Pasadena refinancing?

    By calculating the difference between your old and new mortgage payments by the costs of the new loan, you may determine the break-even point of your refinancing in Pasadena. This figure indicates how many months it will take you to pay off your new loan. For instance, it will take you 15 months to break even if you refinance and save $200 a month, but you must pay $3,000 in closing costs for the new house.

  • If you wanted to purchase a second house in Pasadena, should you arrange a cash-out refinance?

    Yes. Cash-out refinance in Pasadena is a fantastic instrument to help you afford the deposit on a new property. However, it's crucial that you avoid taking on too much debt or spreading your financial resources too thin. Sometimes home values decline, which could result in lesser equity levels than you had anticipated. Make sure to leave adequate equity in your property if you plan to utilize a cash-out refinance for another home purchase.

  • 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.