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Best Mortgage Refinance Companies in Riverside

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2023
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Cherry Creek Mortgage - Riverside-Jesse Lane logo
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License Verified:

License: 3001

Nationwide Multistate Licensing System and Registry

Cherry Creek Mortgage - Riverside-Jesse Lane

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19340 Jesse Lane, Riverside, CA 92508
  • Reverse Mortgages

Business Description

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.

License Verified:

License: 3001

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
Facebook
4.0 / 5 (92)
Yelp
4.5 / 5 (6)
Google
5.0 / 5 (2)

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
JB Mortgage Capital, Inc. logo
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License Verified:

License: 238036

Nationwide Multistate Licensing System and Registry

JB Mortgage Capital, Inc.

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

Business Description

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.

License Verified:

License: 238036

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 (13)
Yelp
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
Locke Your Loan logo
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License Verified:

License: 1939219

Nationwide Multistate Licensing System and Registry

Locke Your Loan

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2900 Adams Street, Riverside, CA 92504
  • Reverse Mortgages

Business Description

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.

License Verified:

License: 1939219

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
4.9 / 5 (96)
Yelp
5.0 / 5 (4)
Facebook
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
Mortgage Express logo

License Verified:

License: 234945

Nationwide Multistate Licensing System and Registry

Mortgage Express

Riverside, CA
  • Reverse Mortgages

Business Description

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.

License Verified:

License: 234945

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
Facebook
5.0 / 5 (6)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Mortgage Solutions Financial-Riverside, CA logo
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License Verified:

License: 61602

Mortgage Solutions Financial-Riverside, CA

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

Business Description

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.

License Verified:

License: 61602

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
Facebook
5.0 / 5 (2)
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
Responsiveness
Friendliness
Helpfulness
Detail
New American Funding - Riverside logo

License Verified:

License: 6606

Nationwide Multistate Licensing System and Registry

New American Funding - Riverside

11820 Pierce Street, Riverside, CA 92505
  • Reverse Mortgages

Business Description

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.

License Verified:

License: 6606

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
4.9 / 5 (135)
Facebook
5.0 / 5 (8)
Yelp
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
Secure Choice Lending logo
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License Verified:

License: 1689518

Nationwide Multistate Licensing System and Registry

Secure Choice Lending

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7211 Magnolia Avenue, Riverside, CA 92504
  • Reverse Mortgages

Business Description

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.

License Verified:

License: 1689518

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 (129)
Yelp
4.5 / 5 (28)

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 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.

  • How does mortgage refinance work?

    The mortgage refinance process begins with choosing a broker and filling out loan application information. The process continues through underwriting and closing. The new mortgage is then used to pay off and close your original mortgage loan. This leaves you with a new loan and mortgage payment to manage each month.

  • When should you refinance a mortgage?

    If your credit score has improved or mortgage interest rates have dropped, refinancing can potentially save you money. Other reasons to refinance your mortgage include getting a fixed rate instead of an adjustable one or getting a shorter loan term. An increase in your home’s value that can let you access more equity is another reason to refinance.

  • How much does it cost to refinance a mortgage?

    The average cost to refinance a mortgage is $5,000. This amount varies, based on the state and county where the property is located and the loan amount. Common fees incurred when refinancing a mortgage include:

    • Appraisal fee
    • Broker’s fee
    • Credit check fee
    • Loan application fee
    • Recording fee
    • Title search and insurance fee

  • How soon can you refinance a mortgage?

    Some lenders make borrowers wait a minimum of six months before accepting a new mortgage refinancing application. However, when that happens, borrowers can check with other lenders to find one that doesn’t require a wait before refinancing. A mortgage refinance broker can guide you to lenders that allow immediate refinancing.

  • How long does it take to refinance a mortgage?

    The average amount of time it takes to refinance a mortgage is 45 days. In some cases, it may be possible to get it done faster. There also may be times when it takes longer to get a mortgage refinanced.