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Best Mortgage Refinance Companies in Richmond

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Greater Bay Capital, Inc. logo

Greater Bay Capital, Inc.

1980 Mountain Blvd., Suite 209, Oakland, CA 94611
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  • Multi-Family Loans

Greater Bay Capital, Inc., is a full-service mortgage banking firm serving Richmond. It provides loans to clients with interest rates and closing costs tailored to their budgets. Residential loan products span from HARP 2.0 and FHA refinancing to HomePath. Commercial and private money loans are also offered by the company. Principal Terry A. Blete was the expert witness for California State Chartered Banks for Assembly Bill 3469. He has also worked as a financial advisor for a variety of financial organizations, including Citibank and Bank of America.

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Jason Wheeler logo

Jason Wheeler

70 Doray Drive #14, Pleasant Hill, CA 94523
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  • New Construction

Jason Wheeler offers mortgage refinance programs to people in Richmond and nearby areas. He is a mortgage loan officer from C2 Financial Corporation, a mortgage brokerage firm with access to over 100 wholesale lenders. Some of the options he offers are conventional, jumbo, super jumbo, FHA, USDA, and VA loans. He strives to help clients succeed through personal guidance and education. Wheeler has been helping individuals and families with their home purchase and refinance needs since 2003.

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Juan Velasquez logo

Juan Velasquez

2157 Country Hills Drive, Antioch, CA 94509
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  • Reverse Mortgages

Juan Velasquez addresses the mortgage concerns of families, individuals, and investors in Richmond. He helps buyers acquire various types of residential properties, such as multi-unit homes, rental apartments, condominiums, and mobile houses with two to five bedrooms and bathrooms. He offers refinancing solutions to reduce clients' payment terms and interest rates. The agent processes VA, FHA, USDA, 203(k), conventional, and home renovation loans. Juan and his team bring over more than two decades of combined industry experience.

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Land Home Financial Services, Inc. logo

Land Home Financial Services, Inc.

1355 Willow Way, Suite 250, Concord, CA 94520
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  • New Construction

Land Home Financial Services, Inc. has been catering to loan applicants in Richmond since 1988. Its agents work with clients in comparing mortgage rates from different housing plans and assessing monthly payments and interest rates that fit their specific financial situation and refinancing goals. They also provide applicants with a list of advisors for their perusal in preparation for federally mandated counseling sessions involving reverse mortgage options. Outside of work, they participate in activities and programs sponsored by local organizations and non-profit organizations.

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Matt Tews logo

Matt Tews

3236 Stone Valley Rd W Suite 103, Alamo, CA 94507
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  • New Construction
  • Reverse Mortgages

Matt Tews works with first-time home buyers and refinance clients in Richmond. He is a senior loan advisor with 17 years of experience. He seeks to provide borrowers with peace of mind during the home purchase and refinance process by using his vast expertise in the mortgage industry. He helps people achieve their homeownership dreams by guiding them through the entire process, from applying to closing. Matt is available to answer questions and concerns via text, email, or phone call.

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Orka Investment logo

Orka Investment

San Francisco, CA 94102
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  • New Construction
  • Reverse Mortgages

Orka Investment serves clients across Richmond. It advises homeowners seeking to qualify for a mortgage refinance and has dealt with different types of clients, like small business owners and self-employed individuals. It also provides a range of loan options for those aiming to purchase properties, from FHA and VA programs to fixed-rate and variable-rate mortgages. To help individuals avoid financial risk, the company sets up personal insurance products, which include life, homeowner, and auto coverage.

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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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