Expertise.com

Best Mortgage Refinance Companies in Richmond

2024

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls
Mortgage Refinance Companies FAQs 〉

Providers

Last updated:

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

Why choose this provider?

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.

License Verified:

License: 2069263

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 (88)
Yelp
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
4973 Appian Way, El Sobrante, CA 94803
  • Reverse Mortgages

Why choose this provider?

US Financial Mortgage Lending is a Golden Empire Mortgage brokerage firm that serves Richmond and the surrounding areas. It helps clients refinance existing mortgages in order to lower their existing rates and terms. It also offers cash-out refinance programs. In addition, it provides loan programs such as Fannie Mae, FHA, VA, and USDA loans. Producing Branch Manager Nicole Donn can accommodate clients in English and Spanish. She has served as president of the El Sobrante Chamber of Commerce.

License Verified:

License: 258761

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 (19)
Yelp
4.5 / 5 (7)
Google
5.0 / 5 (5)

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
3100 W Ray Rd Ste 201, Office 209, Richmond, CA 85226
  • Reverse Mortgages

Why choose this provider?

Craig Heitz is a loan officer who offers refinancing options via NEXA Mortgage to homeowners in Richmond. He helps clients improve their cash flow by getting lower monthly rates and shorter terms or restructuring their debts through refinancing loans. The agent uses an online tool to aid his customers in comparing rates and terms so that they can choose the option that best fits their financial needs. Heitz also offers fixed-rate, adjustable-rate, FHA, conventional VA, and 203K loans.

License Verified:

License: 1520831

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 (7)

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

Why choose this provider?

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.

License Verified:

License: 242672

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 (18)

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
1720 Broadway, 3rd floor, Oakland, CA 94612
  • Reverse Mortgages

Why choose this provider?

TMC Financing offers SBA 504 loan programs for clients in Richmond. Its options include SBA refinance, hotel financing, building acquisition, and microloans with 10 to 25-year terms. The firm's refinancing solution provides borrowers access to cash trapped in equity and obtain fixed and below-market interest rates. It also offers a community advantage loan program, which helps business owners purchase equipment and cover their enterprises' expenses. Its brokers have worked with over 6,000 businesses, securing $10 billion in SBA financing.

License Verified:

License: 1225153

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 (26)
Google
4.8 / 5 (24)
Yelp
4.5 / 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

Website
Oakland, CA 94601
  • Reverse Mortgages
  • New Construction

Why choose this provider?

Zain Elias assists clients with refinancing needs in Richmond. He develops strategies based on clients' situations to help reduce financial obligations. The agent also conducts consultations through phone calls or in-person meetings and assists with the paperwork. Besides refinancing, conforming, jumbo, government-based, and fixed and adjustable rate mortgage options are also provided. Zain Elias is a mortgage officer at Tam Funding. His mission is to educate people to help them make the right choice for themselves and their families.

License Verified:

License: 450401

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 (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

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

Why choose this provider?

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.

License Verified:

License: 951109

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

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

Why choose this provider?

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.

License Verified:

License: 358009

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

Website
San Francisco, CA 94102
  • New Construction
  • Reverse Mortgages

Why choose this provider?

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.

License Verified:

License: 1892633

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 (9)

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
1321 Evans Avenue, Suite C, San Francisco, CA 94124
  • Reverse Mortgages

Why choose this provider?

Homepoint Lending assists Richmond locals in improving their cash flow through refinance loans. It helps homeowners lower their monthly payments, get shorter terms, or get cash from equity through various refinancing loan products. Its team uses an online tool to give clients a chance to compare mortgage rates and choose the best product that suits their financial needs. In addition, the company offers fixed-rate, adjustable-rate, FHA, VA, jumbo, and USDA loans, as well as reverse mortgages.

License Verified:

License: 1945093

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 (25)
Facebook
5.0 / 5 (9)

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
1501 Fifth Street, San Rafael, CA 94901
  • New Construction

Why choose this provider?

Shane Gallagher is a loan officer with All California Mortgage who serves individuals and families in Richmond and the surrounding areas. He helps clients reduce their interest rates and monthly payments by refinancing their home loans. He also assists with changing the length of clients' mortgages. In addition, he provides cash-out refinancing programs. Other loan products he offers include FHA, VA, and USDA loans. Prior to entering the mortgage industry, Shane Gallagher worked in indirect sales strategies.

License Verified:

License: 1520592

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 (14)
Google
5.0 / 5 (5)

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
2578 Mac Arthur Ave, San Pablo, CA 94806
  • New Construction

Why choose this provider?

Delta Bay Mortgage offers homeowners in the Richmond metro and the surrounding areas various refinancing solutions. It assists homeowners who want to consolidate debt, lower their monthly payments, interest rates, and loan terms, and get cash from equity through refinancing loans. Borrowers with single-family and multi-family homes as well as those who own condos, townhouses, and manufactured homes may avail of their refinancing loans and file their applications online. Delta Bay Mortgage also offers clients home purchase loans.

License Verified:

License: 2010637

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 (3)

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
San Francisco, CA 94102
  • New Construction

Why choose this provider?

Reena Loans & Real Estate serves property buyers and owners in the Richmond metro and surrounding areas. The company offers mortgage refinancing solutions for residential and commercial properties. Other services include residential and commercial loan offerings and property management. It has a wide range of properties for sale in its website listing. Reena Paleja, the company's namesake, is an agent and broker that has over 25 years of residential and 15 years of commercial real estate sales experience.

License Verified:

License: 1821027

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 (8)
Facebook
5.0 / 5 (5)
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

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 long does the cash-out refinancing process take in Richmond?

    Reputable mortgage refinancing companies in Richmond close refinancing loans within 30 days, while some take 45 to 60 days. If the current rates are low, mortgage refinancing companies will get more applications, which means an extended processing timeline. If processing time is an important consideration, check with your loan officer or call other mortgage companies about their processing times before proceeding.

  • How much money can you cash out of mortgage refinancing in Richmond?

    It depends on the loan program. Refinancing under Fannie Mae, Freddie Mac, or the FHA may allow a maximum cash out of 80% of your property’s value. Meanwhile, Richmond homeowners under VA refinancing have a cash-out limit of 100% of their home’s value. These are the maximum limits. Your credit history affects the amount you can cash out through refinancing. A credit with negative items can result in a lower limit.

  • Can you get a refinancing loan for the purpose of taking someone’s name off your mortgage in Richmond?

    Yes. Removing another person’s name from the house’s deed does not mean the person’s liability for paying off the home loan is also removed. You can do this through mortgage refinancing. Closing off your current loan and getting a new one allows you to change the names on the mortgage. Contact a local mortgage refinance company in Richmond to know more.

  • Why is doing a break-even analysis important when considering mortgage refinancing in Richmond?

    It tells you the time it will take to recover the cost of refinancing your mortgage in Richmond. For example, the lender charged you $1,000 in fees for a refinancing loan that lowers your monthly mortgage payment from $1,500 to $1,400. With $100 saved monthly, it will take you 10 months to recover the lender fees alone. After that, you can determine if breaking even and realizing actual savings after 10 months is acceptable.

  • What benefits can you get from refinancing your mortgage in Richmond?

    Most people refinance their mortgage to get a loan with a lower interest rate and shorter duration resulting in mortgage savings. Refinancing also lets you change from an adjustable rate to a fixed-rate mortgage to prevent the amount of your monthly payments from fluctuating. Meanwhile, Richmond homeowners with sufficient home equity can opt to get some cash out of their refinancing loan to pay for other debts or fund personal needs.

  • 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.