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Best Mortgage Refinance Companies in Rialto

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American Dream Group logo

American Dream Group

18201 Von Karman #300, Irvine, CA 92612
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  • New Construction
  • Reverse Mortgages

American Dream Group is a mortgage refinancing brokerage firm that assists clients in Rialto and nearby areas. Its team members help clients in refinancing their existing loans for a new home purchase, home equity, and reverse mortgage. It also offers conventional, FHA, and VA loans. The company additionally provides interest-only mortgages, which are home loans that allow borrowers to make payments toward the interest of the accruing loan over the principal for a specified time frame.

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Global Mortgage logo

Global Mortgage

12505 N Mainstreet Suite 228, Rancho Cucamonga, CA 91739
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  • Reverse Mortgages

Global Mortgage serves homeowners, home buyers, and investors in Rialto. Its team works with more than 100 investors, allowing clients to match with the right loan programs that suit their individual needs. The agents assist with refinancing mortgages, allowing homeowners to convert their loan terms or extract cash equity in their homes that may be used for consolidating debt, education funding, or home improvement. Global Mortgage also offers ARMs, conventional jumbo, home equity lines, and VA loans.

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James Taverner logo

James Taverner

13295 Joliet Dr, Rancho Cucamonga, CA 91739
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  • Reverse Mortgages

James Taverner is a senior loan originator who helps clients in Rialto and nearby areas with refinancing mortgages for better rates and cash-outs. This professional adheres to four principles when providing services, which include keeping clients informed through follow-ups, guiding them through the entire mortgage process while avoiding mistakes, locating the best market rates available, and closing the loan on time. James Taverner also caters to buyers who aim to acquire real estate as an investment.

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National One Mortgage logo

National One Mortgage

6700 Indiana Ave 130, Riverside, CA 92506
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  • Reverse Mortgages

National One Mortgage is a Riverside-based firm that caters to clients in the Rialto metro and the surrounding areas. It offers mortgage refinance options for customers who own different types of properties, including condominiums, single- or multi-family residences, and townhouses. National One Mortgage helps them change their loan terms, get lower interest rates, lower their monthly payments, or take out cash. Some of the loan options it provides are conventional, FHA, VA, and reverse mortgages.

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Noble Mortgage logo

Noble Mortgage

2601 N Del Rosa Ave #205C, San Bernardino, CA 92404
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Noble Mortgage provides current and future homeowners in Rialto with financing options. The firm offers various mortgage and refinancing loan choices, which include fixed rate, home improvement, reverse, jumbo, and FHA loans. A home affordable refinance program is also available, which allows clients unable to refinance because of loan-to-value guidelines to take advantage of low interest rates in the market. Its professionals assist clients throughout the process, from filing the necessary documents to closing the transaction.

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Rancho Capital Home Loans logo

Rancho Capital Home Loans

9431 Haven Avenue, Suite 208, Rancho Cucamonga, CA 91730
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  • New Construction
  • Reverse Mortgages

Rancho Capital Home Loans is a locally owned and independent mortgage brokerage company that serves clients in Rialto. It assists with mortgage refinancing for primary and vacation homes and investment properties, catering to clients looking to consolidate debt, reduce interest rates and monthly payments, and change loan terms. Its mortgage rate options include fixed-rate, interest-only, adjustable rate, and graduated payments. It also provides various loan programs, such as USDA, jumbo, VA, and FHA. Additionally, it handles reverse mortgages and property appraisals.

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Summit Home & Lending logo

Summit Home & Lending

21364 Tennyson Rd, Moreno Valley, CA 92557
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  • New Construction

Summit Home & Lending caters to individuals and families in Rialto and the surrounding areas. It provides clients with mortgage solutions that meet their needs, including purchasing a new home or rental property, lowering monthly payments, reducing interest rates, cashing out equity for home improvement projects, and debt consolidation. It offers a variety of loans such as VA, jumbo, conventional, FHA 203(k), and adjustable rate mortgages. Summit Home & Loan collaborates with more than 50 different lending institutions.

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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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