Best Mortgage Refinance Companies in Redding

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Blair Hodgdon logo
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License Verified:

License: 1113882

Nationwide Multistate Licensing System and Registry

Blair Hodgdon

2777 Bechelli Lane, Redding, CA 96002
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  • New Construction

Business Description

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 (26)
Google
4.7 / 5 (15)
Yelp
5.0 / 5 (7)
Chris Lamm logo
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License: 209221

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Chris Lamm

970 Executive Way, Redding, CA 96002
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  • Reverse Mortgages

Business Description

Chris Lamm, VP of the mortgage lending division of Change Home Mortgage, leads a team with 20 years of combined industry experience. The specialists assist borrowers in Redding seeking to refinance their current mortgages for different purposes, such as lowering monthly payments, consolidating debts, shortening loan terms, or cashing out equity for home improvements. They also address the financing needs of first-time homebuyers and seasoned real estate investors. Lamm has over 17 years of experience and training in the home mortgage lending industry.

License Verified:

License: 209221

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 (157)
Facebook
4.9 / 5 (73)
Yelp
4.5 / 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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Cindy Tomlinson logo
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License: 214851

Nationwide Multistate Licensing System and Registry

Cindy Tomlinson

2280 Bechelli Lane, Redding, CA 96002
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  • New Construction

Business Description

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.
4.9
Facebook
4.9 / 5 (277)
Yelp
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
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First Pacific Financial logo
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License Verified:

License: 244409

Nationwide Multistate Licensing System and Registry

First Pacific Financial

1549 Chestnut St., Redding, CA 96001
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  • Multi-Family Loans
  • New Construction

Business Description

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
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Gold Star Mortgage Financial Group logo
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License: 3446

Nationwide Multistate Licensing System and Registry

Gold Star Mortgage Financial Group

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

Business Description

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 (20)
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
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Matt Brown logo
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License: 1162668

Nationwide Multistate Licensing System and Registry

Matt Brown

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

Business Description

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
Facebook
4.8 / 5 (21)
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
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Only One Home Loans logo
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License Verified:

License: 1253874

Nationwide Multistate Licensing System and Registry

Only One Home Loans

1177 Hilltop Dr., Redding, CA 96003
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  • New Construction

Business Description

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 (206)
Google
4.8 / 5 (174)
Yelp
4.0 / 5 (42)

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.
4.0
Responsiveness
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Helpfulness
Detail
––
Professional Mortgage Associates logo
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License Verified:

License: 264754

Nationwide Multistate Licensing System and Registry

Professional Mortgage Associates

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

Business Description

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 (26)
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
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Detail
Sabrina Schmitt logo
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License Verified:

License: 490033

Nationwide Multistate Licensing System and Registry

Sabrina Schmitt

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

Business Description

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.
5.0
Google
4.9 / 5 (83)
Facebook
5.0 / 5 (48)
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
Stephanie Hiatt logo
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License Verified:

License: 2129354

Nationwide Multistate Licensing System and Registry

Stephanie Hiatt

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

Business Description

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.
4.5
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.
4.0
Responsiveness
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Helpfulness
Detail
––
The Lynch Team logo
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License Verified:

License: 230189

Nationwide Multistate Licensing System and Registry

The Lynch Team

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

Business Description

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
US Lending Company logo
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License Verified:

License: 129988

Nationwide Multistate Licensing System and Registry

US Lending Company

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

Business Description

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 (232)
Facebook
4.8 / 5 (27)
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
Vista Home Loans logo
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License Verified:

License: 1878035

Nationwide Multistate Licensing System and Registry

Vista Home Loans

3637 Eureka Way, Redding, CA 96001
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  • Reverse Mortgages

Business Description

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
Facebook
5.0 / 5 (3)
Yelp
5.0 / 5 (2)
Von Mortgage logo
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License Verified:

License: 227765

Nationwide Multistate Licensing System and Registry

Von Mortgage

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

Business Description

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.
4.8
Google
4.9 / 5 (233)
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
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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