Best Mortgage Refinance Companies in Redwood City

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Alden Mortgage logo
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License Verified:

License: 1702864

Nationwide Multistate Licensing System and Registry

Alden Mortgage

713 Canonbury Way, Hayward, CA 94544
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  • New Construction

Business Description

Alden Mortgage caters to the needs of clients in Redwood City. It serves owners of single- and multi-family homes, townhouses, condominiums, and manufactured homes. It strives to meet the needs of each client by providing them with a variety of loan options and individualized attention. Its mortgage programs include adjustable-rate and fixed-rate, graduated payment, and interest-only mortgages. In addition, the company has a refinance calculator on its website which allows borrowers to view their monthly payment breakdown.

License Verified:

License: 1702864

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
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Ascend Mortgage logo
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License: 238056

Nationwide Multistate Licensing System and Registry

Ascend Mortgage

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

Business Description

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

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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Bay Financial Company logo
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License Verified:

License: 2350769

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Bay Financial Company

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

Business Description

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.
4.7
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
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Bob Stamatatos logo
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License: 315899

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Bob Stamatatos

1290 Howard Ave, Burlingame, CA 94010
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  • New Construction
  • Reverse Mortgages

Business Description

Bob Stamatatos provides services across the Redwood City community and the surrounding areas. Bob serves homeowners wanting to minimize their monthly payments to achieve their financial goals by offering to refinance their current mortgage loans. He also guides and informs them about mortgage refinancing options and rates to apply for programs suitable to their needs. In addition to refinancing solutions, Bob offers home purchase loans for new or experienced home buyers. Bob is a loan consultant at C2 Financial Corporation.

License Verified:

License: 315899

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
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California Mortgage Company, Inc. logo
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License Verified:

License: 1187716

Nationwide Multistate Licensing System and Registry

California Mortgage Company, Inc.

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

Business Description

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.
5.0
Yelp
4.5 / 5 (9)
Google
5.0 / 5 (2)
Jeff Ling logo
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License Verified:

License: 314626

Nationwide Multistate Licensing System and Registry

Jeff Ling

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

Business Description

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 (33)

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
Sean Kameli logo
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License: 633285

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Sean Kameli

1810 Gateway Drive, Suite 115, San Mateo, CA 94404
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  • New Construction

Business Description

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)

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
Friendliness
Helpfulness
Detail
––
Serenity Home Loans logo
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License Verified:

License: 1952090

Nationwide Multistate Licensing System and Registry

Serenity Home Loans

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

Business Description

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
Simons & Company logo
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License Verified:

License: 242702

Nationwide Multistate Licensing System and Registry

Simons & Company

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

Business Description

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)

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
SOBORA logo
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License Verified:

License: 2391065

Nationwide Multistate Licensing System and Registry

SOBORA

4900 Hopyard Rd, Ste 100, Pleasanton, CA 94588
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  • New Construction

Business Description

SOBORA accommodates homeowners and homebuyers in Redwood City. The agency assists refinancing customers to reduce their monthly payments and fund remodeling projects for different types of residential properties, such as manufactured homes, condominiums, and single-family units. It provides various mortgage programs, including FHA, USDA, and VA products, as well as fixed-rate and adjustable-rate mortgages. Its loan professionals guide their clients through the application process, from determining their purchasing power to closing. SOBORA also caters to self-employed borrowers and people with challenged credit.

License Verified:

License: 2391065

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 (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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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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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