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Best Mortgage Refinance Companies in Rancho Cucamonga

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Brad Bennett logo

Brad Bennett

9267 Haven Ave. #270, Rancho Cucamonga, CA 91730
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  • Reverse Mortgages

Brad Bennett is a branch manager for Edge Home Finance who caters to individuals and families throughout Rancho Cucamonga. He offers refinancing services to help clients lower their monthly payments and interest rates, modify their loan terms, and take cash out of their home's equity. He gives various options to customers based on their unique situations and needs after they submit a home refinance analysis request. These include fixed-rate mortgages, jumbo, VA, FHA, and USDA loans. Brad has more than 30 years of industry experience.

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Empire Mortgage Solutions logo

Empire Mortgage Solutions

15338 Central Avenue, Chino, CA 91710
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  • Commercial Loans

Empire Mortgage Solutions serves Rancho Cucamonga clients. It deals with homeowners seeking to refinance their loans. Through assistance with the refinancing process, the company helps them fulfill a range of financial goals, from debt consolidation to reduced interest rates. It also offers a USDA loan program, a solution for clients looking to purchase properties in rural areas. Joe Lujan, one of the company's members, previously worked at firms like Countrywide Home Loans and Bank of America. He has over a decade of industry experience.

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Integrity Home Finance logo

Integrity Home Finance

9327 Fairway View Place, Rancho Cucamonga, CA 91730
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  • New Construction

Integrity Home Finance is a Gem Mortgage branch serving clients in the Rancho Cucamonga metro. It offers financing options to support first-time buyers' dreams of home ownership, as well as eligible borrowers seeking to refinance their current loans to adjust terms or rates. Among the loan programs it provides are FHA, VA, jumbo, conventional, and fixed- and adjustable-rate mortgages. The types of property covered are single-family residences, townhouses, and high-rise condominiums. Gem Mortgage has been in the lending sector for over two decades.

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Meridox Real Estate and Mortgage logo

Meridox Real Estate and Mortgage

136 1/2 S Glendora Ave Suite 1,, West Covina, CA 91790
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  • New Construction

Meridox Real Estate and Mortgage provides loan-related choices and services for applicants within Rancho Cucamonga. Its staff caters to first-time and experienced homebuyers, as well as those who seek to consolidate their debts and reduce their interest rates through refinancing. It employs a personalized approach by tailoring its options using details involving a client's financial status and comprehensive information concerning current market trends. Meridox is led by Linh Tran, who previously represented lenders and processed loans for institutional banks as an account executive.

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Sovereign Lending Group Incorporated logo

Sovereign Lending Group Incorporated

3540 Howard Way, Costa Mesa, CA 92626
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  • Reverse Mortgages

Sovereign Lending Group Incorporated has been serving clients in Rancho Cucamonga since 2005. It provides mortgage refinancing services to residential property owners who are looking to replace their existing home loans. It also offers FHA loans and debt consolidation. The company is a member of the Business Consumer Alliance and has been featured on Yahoo! Finance. Its manpower consists of over 200 team members that cater to the needs of working Americans, including firefighters, police officers, and veterans.

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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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