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Best Mortgage Refinance Companies in Riverside

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American Funding Center logo

American Funding Center

19192 Turrell Way, Riverside, CA 92508
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American Funding Center provides home mortgage refinance in Riverside and the surrounding areas. It refinances mortgages for various properties, including condominiums, townhouses, manufactured homes, and single-family and multifamily residences to facilitate debt consolidation, home improvements, cash-out, and changing loan terms. The loan specialists fund primary residences, vacation homes, and investment properties. This firm requires a minimum credit score for borrowers to qualify for loans. Some loan programs available from this company include FHA, VA, fixed-rate, adjustable-rate, and hybrid adjustable-rate mortgages. American Funding Center offers additional lending options such as home equity and balloon loans, graduated payments, and reverse mortgages.

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Americasloan Mortgage logo

Americasloan Mortgage

11671 Sterling Avenue, Riverside, CA 92503
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  • Reverse Mortgages

Located in Riverside, Americasloan Mortgage, a family-owned business, is a full-service mortgage company established in 1999. In addition to helping prospective homeowners fulfill their dreams of buying a home, the company also helps current homeowners who are struggling to make payments keep their homes through mortgage refinancing. The loan types they offer include home refinancing, home purchase, home equity, and reverse mortgages. It offers cash out, rate and term, and HELOC refinancing mortgages.

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Campbell Financial Services, Inc. logo

Campbell Financial Services, Inc.

4181 Flat Rock Dr Ste 250, Riverside, CA 92505
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Founded in 1989, Campbell Financial Services Inc. handles home mortgage refinance in Riverside. The professionals on staff help clients secure appropriate home loan refinancing solutions for their individual needs, including lower interest rates, reduced monthly payments, changes in mortgage terms, and cash-outs via home equity lines of credit. The firm handles VA, USDA, conforming, FHA, and jumbo loans. It also provides fixed- and adjustable-rate term limits. Other lending solutions available include reverse mortgages and 203(k) loans. Campbell Financial Services offers preapproval services for mortgages to first-time or repeat home buyers.

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Cherry Creek Mortgage - Riverside-Jesse Lane logo

Cherry Creek Mortgage - Riverside-Jesse Lane

19340 Jesse Lane, Riverside, CA 92508
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  • Reverse Mortgages

Cherry Creek Mortgage - Riverside-Jesse Lane has been providing mortgage refinancing solutions to clients in Riverside for over 30 years. The full-service mortgage company assists individuals in reducing their mortgage rates, leveraging home equity, getting new mortgage terms, and lowering monthly payments. Some of the loan products it handles are FHA, USDA, VA, conventional, jumbo, and low-downpayment loans. Cherry Creek Mortgage also offers refinancing resources, such as a live rate calculator, to help clients determine their new financing solution.

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First Lending Solutions logo

First Lending Solutions

6370 Magnolia Ave Ste 210, Riverside, CA 92506
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First Lending Solutions is a mortgage refinance company in Riverside. Its loan officers help clients get shorter terms, reduce monthly payments, or cash out their home's equity by leveraging refinancing solutions. The loan programs that the staff works with for refinancing include VA, FHA, USDA, conforming, and jumbo loans, with payment term limits ranging from five to 30 years. The company offers reverse mortgages, 203(k) loans, and variable- and fixed-rate lending. First-time home buyers can take advantage of the preapproval process to get a letter that enables easy access to home loans.

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Full Circle Home Loans logo

Full Circle Home Loans

99 C St Ste 200, Upland, CA 91786
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Since 2009, Full Circle Home Loans has provided home mortgage and refinancing services. Full Circle Home Loans offers a personalized, streamlined refinancing process to help customers get lower monthly mortgage payments, shorten loan terms, reduce interest rates, or obtain cash from the home and consolidate debt. Clients can reach the Full Circle Home Loans team 24/7 online and through text or phone call. The company also offers free online financial education and mortgage news. Full Circle Home Loans also helps home buyers, including first-time buyers, understand mortgage options with free, no-obligation consultations.

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Jayco Home Loans logo

Jayco Home Loans

490 Alabama St Ste 101, Redlands, CA 92373
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A full-service mortgage company, Jayco Home Loans serves the Riverside area. It offers home refinance services, including online prequalification to simplify the mortgage process. Its experts handle mortgages for townhouses, condominiums, manufactured houses, and single-family and multifamily homes, and it loans for primary residences, investment properties, and vacation homes. The company requires minimum credit scores to discharge loans, and its mortgage refinance options include interest-only, FHA, VA, FRMs, and ARMs, with the possibility of cashing out. Jayco Home Loans also provides home equity and home improvement loans to finance remodeling, repairs, and maintenance.

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JB Mortgage Capital, Inc. logo

JB Mortgage Capital, Inc.

16310 Porter Avenue, Riverside, CA 92504
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  • Multi-Family Loans
  • New Construction

JB Mortgage Capital, Inc. provides mortgage refinancing options to homeowners in Riverside and the surrounding areas. Kevin O'Connor, the company's loan officer with over 16 years of experience in the industry, helps homeowners seeking to lower their mortgage interest rates. He offers refinancing services that give clients an option to cash out of the home's equity for improvement projects. Additionally, Kevin helps clients consolidate high interest rates, reduce their number of payments, and convert ARMs to fixed-rate loans.

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Locke Your Loan logo

Locke Your Loan

2900 Adams Street, Riverside, CA 92504
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  • Reverse Mortgages

Locke Your Loan is a mortgage loan and refinance company that has a main office operating in Riverside. It can advise both first-time homebuyers and existing homeowners about loan program options, credit, and refinancing plans. The company allows its customers to schedule 30-minute appointments to address mortgage concerns and issues. It also offers loan programs include conventional loans, refinance loans, and reverse mortgage loans. Furthermore, the company has an online glossary to educate clients on mortgaging terms like interest rates, debt consolidation, and cash-out.

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Mortgage Express logo

Mortgage Express

Riverside, CA
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  • Reverse Mortgages

Mortgage Express is a mortgage refinancing company serving Riverside. Owner and broker Carole Ryan has been in the industry for 24 years and provides personalized services, including 30-year fixed, FHA, high-balance, VA, jumbo, USDA, and reverse mortgages. She helps customers seeking reduced monthly payments, home equity cashouts, or shorter mortgage lengths. The company's online refinance analysis feature also helps clients identify programs tailored to their situation. Additionally, customers can use the mortgage calculator to gauge how different interest rates and loan types affect monthly payments.

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Mortgage Solutions Financial-Riverside, CA logo

Mortgage Solutions Financial-Riverside, CA

5225 Canyon Crest Drive, Riverside, CA 92507
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  • Reverse Mortgages

Serving clients near Riverside, Mortgage Solutions Financial is a family-owned mortgage company that was established in 1995. The company offers a wide range of services to help aspiring homeowners fulfill their dreams and help current homeowners keep theirs through mortgage refinancing. Mortgage Solutions Financial helps homeowners who struggle to pay their monthly due by refinancing existing mortgages through a streamlined process to lower the loan's overall cost, lower its monthly payment, or decrease the interest rate.

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New American Funding - Riverside logo

New American Funding - Riverside

11820 Pierce Street, Riverside, CA 92505
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  • Reverse Mortgages

New American Funding, which is located in Riverside, is a family-owned business that assists clients in several areas, including refinancing which involves replacing a current mortgage with a new one that is customized according to clients' preferred term length and interest rate type. In addition, the company helps clients with other mortgage loan options such as FHA loans, conventional loans, and reverse mortgages. Each step of the process, from processing to underwriting, is done by New American Funding's team.

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Provident Bank logo

Provident Bank

3756 Central Avenue, Riverside, CA 92507
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Provident Bank has been serving the Riverside community since 1956. Its experienced loan officers help homeowners secure a lower interest rate or new loan terms to reduce monthly payments or pay off the balance quicker. Another refinancing option is to consolidate a first and second mortgage into a single, lower payment. The staff walks customers through all the steps, from finding the best rates to attending the closing. Provident Bank also works with first-time homebuyers to get their first mortgage through a selection of adjustable and fixed-rate mortgage programs.

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Secure Choice Lending logo

Secure Choice Lending

7211 Magnolia Avenue, Riverside, CA 92504
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  • Reverse Mortgages

Secure Choice Lending is a mortgage lending firm serving Riverside and neighboring communities. It assists first-time homebuyers and existing homeowners through loan plan recommendations that suit a client’s needs and risk level. It also offers VA IRRRL and FHA streamline refinancing. Other loan and mortgage options include conventional, jumbo, fixed-rate, and adjustable-rate loans. It also provides a reverse mortgage option for seniors who want to convert their home equity as cash income that can be used for monthly bills and emergency funds.

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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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