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2024

Last updated:

Best Mortgage Refinance Companies in Redding

Our Recommended Top 13

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 Redding 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.

60Reviewed

41Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
3637 Eureka Way, Redding, CA 96001
  • Reverse Mortgages

Why choose this provider?

Vista Home Loans offers mortgage services throughout Redding and the neighboring areas. The company offers mortgage refinancing services to allow clients to change their loan rates, obtain cash from equity, and reduce interest. It also guides them in handling the refinancing process, including scheduling appraisals, submitting documents, and closing. Its branch manager, Mandy Phillips, served as a MAC Cosmetics employee before pursuing a real estate career in 2012. She uses her real estate experience to understand clients' home moving needs and processes.

License Verified:

License: 1878035

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 (19)
Facebook
5.0 / 5 (3)
Yelp
5.0 / 5 (2)

Website
9434 Deschutes Road Ste 211, Palo Cedro, CA 96073
  • New Construction

Why choose this provider?

Professional Mortgage Associates is a local brokerage that caters to clients in and around Redding. It offers various loan refinancing programs, including FHA, VA, and conventional options. It also provides loans for purchasing or refinancing lands, manufactured homes, and cabins as well as commercial loan options. The brokerage is led by John Killion, who aims to meet clients' specific needs based on their financial history, down payment, income, and desired monthly payments. He helps clients turn adjustable mortgage rates into fixed rates.

License Verified:

License: 264754

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 (44)
Yelp
5.0 / 5 (4)
Google
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
2280 Bechelli Lane, Redding, CA 96002
  • New Construction

Why choose this provider?

Cindy Tomlinson offers a full range of home purchasing and refinancing services for customers in the Redding area. She specializes in handling conventional fixed-rate home loans for borrowers looking to have the same interest rate until completion. As the branch manager of US Lending Company, she leverages her experience to build long-term relationships and consults with clients to identify the right loan that matches their needs. Cindy has been working in the home financing business since 2006.

License Verified:

License: 214851

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 (282)
Yelp
5.0 / 5 (9)

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
2285 Hilltop Dr, Redding, CA 96002
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Stephanie Hiatt is a loan officer at Omega Mortgage Group who caters to clients in Redding. Hiatt offers a selection of mortgage refinancing solutions, such as FHA, VA, USDA, jumbo, and condo loans. She provides loan programs like Fannie Mae HomeReady and Freddie Mac Home Possible. Additionally, she offers adjustable-rate and fixed-rate mortgages with terms ranging from 15 to 30 years. Omega Mortgage Group extends its services to the residents of Costa Mesa, Santa Rosa, Reno, and Phoenix.

License Verified:

License: 2129354

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.
4.7
Yelp
4.5 / 5 (12)
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
920 Hilltop Drive, Suite B, Redding, CA 96003
  • Reverse Mortgages

Why choose this provider?

Matt Brown is the branch manager of Megastar Financial Redding. He helps clients in Redding who wish to adjust loan terms and rates through a refinance program. He assists those who want to refinance their single- or multi-family homes, townhouses, or condominiums. Other programs he offers are FHA, USDA, VA, commercial, and investment loans. Brown guides borrowers through various aspects of the loan application and closing processes. His professional background includes over five years of experience in the finance and business sectors.

License Verified:

License: 1162668

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
4.8 / 5 (81)
Facebook
4.8 / 5 (35)
Yelp
3.0 / 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
2777 Bechelli Lane, Redding, CA 96002
  • New Construction

Why choose this provider?

Blair Hodgdon is a mortgage loan officer who serves the Redding community. His services are available for individuals who are buying, refinancing, or building their dream homes. He offers government-backed loan programs such as VA, FHA, and USDA. He also helps clients apply for conventional and rehab loans, as well as down payment assistance programs. Hodgdon has been a loan officer for Von Mortgage for over three years. He sits down with each client to educate them about the different loan options available.

License Verified:

License: 1113882

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
Facebook
5.0 / 5 (28)
Google
4.8 / 5 (19)
Yelp
5.0 / 5 (7)

Website
1822 Buenaventura Blvd, Suite 104, Redding, CA 96001
  • Multi-Family Loans
  • New Construction

Why choose this provider?

The Lynch Team serves the mortgage refinancing needs of first-time home buyers, military members, veterans, and self-employed individuals in Redding. The firm has down payment assistance programs, such as New Home Advantage, GSFA Platinum, HomeReady, and AFI 100. In addition, it has FHA, VA, and Green Value mortgages. It also has refinancing loans for individuals who aim to cash out on equity or shorten their loan terms. The Lynch Team has been serving the community for over 17 years.

License Verified:

License: 230189

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
4.9 / 5 (43)
Yelp
1.0 / 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
1177 Hilltop Dr., Redding, CA 96003
  • New Construction

Why choose this provider?

Only One Home Loans is a mortgage company that serves clients in Redding. Its services are available for individuals considering mortgage refinancing. It helps clients apply for rate-and-term, cash-in mortgage, and cash-out refinancing. It also assists those who want to buy a home or investment property. The company offers programs such as FHA, VA, jumbo, conventional home, and renovation loans. Its senior loan officer, Benji Edwardson, started his career in the mortgage industry in 2004.

License Verified:

License: 1253874

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
Facebook
4.9 / 5 (204)
Google
4.8 / 5 (170)

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
489 Hemsted Dr, Ste A, Redding, CA 96002
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Sabrina Schmitt is a production manager and loan consultant with PrimeLending of Redding. She assists homeowners in refinancing current home loans through various products, including USDA, FHA streamline, and VA streamline refinances loans. She also provides home purchase loans, downpayment assistance, and home renovation loans. Sabrina has over 14 years of experience in the industry, starting her career working with escrow and titles. She also served in the Air Force. Her affiliation, PrimeLending, offers loans in 50 states.

License Verified:

License: 490033

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
4.8 / 5 (86)
Facebook
5.0 / 5 (49)
Yelp
5.0 / 5 (25)

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
2280 N. Bechelli Lane, Redding, CA 96002
  • New Construction
  • Reverse Mortgages

Why choose this provider?

US Lending Company is a mortgage lender in Redding. The firm assists homeowners who are considering mortgage refinancing to aid their financial needs. The refinancing options it offers include HARP for underwater homeowners, USDA and FHA streamline programs, and VA cash-out loans. It also works with clients seeking financing for conventional, FHA, USDA, CalHFA, and CalVet loans. US Lending Company utilizes up-to-date technology to make the homeownership process more efficient. It is a division of American Pacific Mortgage Corporation.

License Verified:

License: 129988

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 (251)
Facebook
4.9 / 5 (39)
Yelp
4.5 / 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
1549 Chestnut St., Redding, CA 96001
  • Multi-Family Loans
  • New Construction

Why choose this provider?

First Pacific Financial is a mortgage brokerage and real estate company that serves clients in Redding. It offers refinancing solutions and specializes in assisting owners, sellers, buyers, and Realtors of pre-owned and multi-section manufactured and mobile homes that are in a park or on land. Its loan options include fixed, variable, and step rates. First Pacific Financial was established in 2005 by Christy Snow, who has several years of experience in providing access to a wide selection of mobile home financing programs.

License Verified:

License: 244409

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 (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
2777 Bechelli Lane, Redding, CA 96002
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Von Mortgage has been serving clients in Redding and the surrounding areas since 2019. The firm's proprietor, Pete Metz, began his own branch after nine years in the lending industry to help simplify the complex financial processes of buying or refinancing homes. He offers a variety of loan programs, which may cover properties like condominiums and single- or multi-family houses. Metz takes the time to understand its clients' unique goals to provide appropriate financing advice.

License Verified:

License: 227765

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 (242)
Facebook
5.0 / 5 (63)
Yelp
4.5 / 5 (35)

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
2405 Hilltop Dr., Redding, CA 96002
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Gold Star Mortgage Financial Group provides services across the Redding community and the surrounding cities. It assists individuals who wish to refinance their existing loans to lower their monthly payments, consolidate their debts, change their rates, and minimize interest. It also guides clients in refinancing their current programs to fixed-rate mortgages, jumbo loans, FHA, and VA. Its team also offers services to individuals and families wanting to apply for loan programs to help purchase homes within their budget.

License Verified:

License: 3446

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 (24)
Yelp
5.0 / 5 (4)

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

FAQs

  • 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 advantages of refinancing mortgages in Redding?

    Homeowners in Redding often seek mortgage refinancing to lower interest rates, which can result from improved financial stability and credit history over time. This can lead to reduced monthly payments and substantial savings. Moreover, accessing home equity is another incentive, with refinancing offering a cash payout based on home value and mortgage balance. Switching from adjustable-rate to fixed-rate mortgages or altering unfavorable loan terms also makes refinancing advantageous.

  • Are there any disadvantages to getting your mortgage refinanced in Redding?

    The main drawback of mortgage refinancing in Redding is the associated costs, catching homeowners off guard. Fees like application charges, closing expenses, and title insurance can surprise those unfamiliar with the process. Furthermore, the credit check, known as a hard inquiry, can temporarily lower the credit score during refinancing.

  • What are the cautions when considering mortgage refinancing in Redding?

    In Redding, residents must beware of debt collectors pressuring them to refinance, potentially leading to higher debt. Accepting the first refinance offer may backfire. Refinancing for credit card debt could jeopardize homeownership if payments are missed. Refinance for savings and convenience, but exercise caution. Conduct thorough research and calculations before signing any loan agreement to ensure long-term financial benefits.

  • What is the average cost associated with mortgage refinancing in Redding?

    In Redding, refinancing costs often range from 2% to 6% of the loan amount, translating to approximately $4,000 to $12,000 for a $200,000 mortgage. While some lenders allow rolling closing costs into the mortgage principal or incorporating them through a higher interest rate, caution is advised. Opting for a higher interest rate may increase the overall expense of the loan over time.

  • What's the difference between mortgage pre-qualification and pre-approval in Redding?

    In Redding, mortgage pre-qualification is the initial stage where a loan team evaluates credit, income, assets, and debt to provide an estimated borrowing amount for a home loan. This estimate helps start home shopping with an agent. On the other hand, pre-approval involves a more thorough review with documentation and verification, resulting in a specific offer amount, mortgage type, and terms. While not a guarantee, pre-approval is a more solid commitment compared to pre-qualification.

  • 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.