Expertise.com

Best Mortgage Refinance Companies in Redwood City

2024

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Website
1017 Fulton St, Palo Alto, CA 94301
  • Reverse Mortgages

Why choose this provider?

Jeff Ling is a loan officer and Realtor serving Redwood City residents. He helps homeowners refinance their outstanding mortgages to secure reduced rates or pay off their balance within a shorter period. He also offers conforming loans, including ARMs, five-year to 30-year fixed-rate programs, and jumbo mortgages. Ling operates under MaxReal. One customer commended how he found information from previous forms to fill out paperwork on their behalf and eliminated second income documents to streamline the refinance process.

License Verified:

License: 314626

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 (34)

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
3875 Bohannon Dr., Menlo Park, CA 94026
  • Reverse Mortgages

Why choose this provider?

Serenity Home Loans is a mortgage firm that serves borrowers in the greater Redwood City area. It was established with the primary purpose of assisting buyers of manufactured homes in locating the best financing options. The company offers mortgage refinancing solutions for people looking to tap into their home equity, lower their monthly payments, pay off high-interest debts, or purchase a new property. The firm also provides fixed-rate mortgage programs with 15-year and 30-year maturities. Serenity Home Loans is certified by the NMLS.

License Verified:

License: 1952090

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 (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

Website
177 Bovet Rd # 600, San Mateo, CA 94402
  • Reverse Mortgages

Why choose this provider?

Simons & Company is a mortgage brokerage company that serves homeowners and home buyers in Redwood City. It offers mortgage refinancing services for existing properties. Its team also provides different loan products to meet the needs and current financial picture of each borrower, including conforming, conforming jumbo, and jumbo with 15-year and 30-year fixed rates. Simons & Company is owned and operated by John B. Simons, who has over 35 years of experience as a mortgage broker.

License Verified:

License: 242702

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 (7)
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
1010 S. El Camino Real Suite A, San Mateo, CA 94402
  • New Construction

Why choose this provider?

Allwin Capital handles simple or complex refinancing situations in the Redwood City metro. The company helps mortgage borrowers in switching to a different loan to save money or use the equity. Its consultants structure loans to best fit each client's financial goals. Additionally, Allwin Capital delivers disaster relief programs for affected renters and homeowners. It is an independently owned and operated business that has been serving the community since 2010. Its staff can assist in Mandarin, Cantonese, and Filipino.

License Verified:

License: 349997

Nationwide Multistate Licensing System and Registry

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
1779 Woodside Road, Suite 201A, Redwood City, CA 94061
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Herzer Financial Services, Inc., provides refinancing solutions to individual and commercial clients in Redwood City. As a direct lender, it provides refinancing loans for homeowners who need a large cash-out to consolidate debts or to fund a major renovation. It has solutions for individuals who may get turned down by banks, like borrowers with previous bankruptcies, those with a recent sale or foreclosure, and those who are self-employed. Herzer Financial started operating in 1950, while company president David Herzer has been in the industry since 1985.

License Verified:

License: 314253

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 (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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
2555 Flores St #100, San Mateo, CA 94403
  • Reverse Mortgages

Why choose this provider?

Ascend Mortgage was established in 2005 to help residents of California, including those in Redwood City, with home ownership and purchase financing. It also assists clients who need refinancing to consolidate mortgages, pay off debts, or lower their interest rates or payments. Its popular programs are VA, FHA, fixed-rate, and jumbo loans. In addition, it offers loans for those looking to buy commercial properties, such as spaces for offices, shops, and restaurants. Ascend Mortgage has a partnership with Arise Realty.

License Verified:

License: 238056

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 (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
220 Baldwin Ave, San Mateo, CA 94401
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Bay Financial Company helps clients in Redwood City find the right loan that suits their needs. Its loan consultants specialize in residential mortgages. They offer loan products from various providers, giving borrowers different options. It helps homeowners with existing mortgages refinance their loans, assisting them to find another loan with a better term and lower rate. The agency offers fixed-rate, adjustable-rate, FHA, and VA loans. It is NMLS-certified and has been serving clients for over two decades.

License Verified:

License: 2350769

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
Facebook
4.5 / 5 (29)
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
1810 Gateway Drive, Suite 115, San Mateo, CA 94404
  • New Construction

Why choose this provider?

Sean Kameli caters to homeowners and first-time homebuyers in Redwood City and the surrounding areas to help them purchase houses or refinance mortgages. He assists clients in the mortgage process and aims to find the perfect loan for their unique situation by drawing from a wide range of conventional and government lending programs, including FHA, VA, adjustable rate, fixed rate, conventional, and jumbo. Sean Kameli is a loan officer for the service-oriented mortgage company, Supreme Lending.

License Verified:

License: 633285

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)
Facebook
5.0 / 5 (20)

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
1435 Huntington Ave #100, South San Francisco, CA 94080
  • New Construction
  • Reverse Mortgages

Why choose this provider?

California Mortgage Company, Inc., serves clients in Redwood City. It helps homeowners lower their monthly payments and interest rates through mortgage refinancing. In addition, it provides borrowers with various mortgage rate options, such as adjustable and fixed-rate, graduated payment, and interest-only. Loan programs like CalHFA, USDA, jumbo, VA, and FHA are also available. A client commended the staff for being knowledgeable about the refinancing process and providing convenience when notarized loan documents were sent to their house.

License Verified:

License: 1187716

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 (9)
Google
5.0 / 5 (1)

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.
  • How can borrowers in Redwood City determine their FICO score?

    In Redwood City, borrowers can determine their FICO score by contacting different credit scoring companies, like TransUnion, Experian, and Equifax. These agencies often utilize various factors to determine an individual's FICO score, from credit usage to payment history. Those who want to receive free credit reports authorized by the federal government can visit the website below: https://www.annualcreditreport.com/requestReport/landingPage.action.

  • Can Redwood City borrowers utilize discount points?

    Yes. Redwood City borrowers can use discount points to increase their principal amount or lower monthly mortgage payments. Lenders allow individuals to purchase discount points during the last step of the mortgage process and add them to the closing fees. Each mortgage point is equivalent to 1% of the home loan.

  • Do you still need to make a downpayment when refinancing your mortgage in Redwood City?

    No, you often don't need to make a downpayment when refinancing your mortgage in Redwood City. Borrowers with a rate-and-term refinance are not required to make a downpayment as long as their credit score and home equity remain in good standing. Borrowers with low credit can also apply for an FHA, USDA, or VA mortgage program with little to no downpayment.

  • Who can apply for a VA refinance loan in Redwood City?

    Service members, veterans, and surviving spouses are eligible for a VA refinance loan in Redwood City. However, they should only apply for refinancing if it will improve their mortgage terms and lead to lower monthly payments. Those who want to check their eligibility should provide service record documents to their VA lender of choice.

  • Will multiple credit checks in Redwood City affect an individual's score?

    Multiple credit checks will not immediately affect an individual's credit score in Redwood City. This is because several hard credit checks made by mortgage lenders will be counted as a single inquiry. Borrowers can continue shopping for a mortgage loan without lowering their credit score if they do it within 14 to 45 days.

  • 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.