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Best Mortgage Refinance Companies in Roseville

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Amy DeBusk logo

Amy DeBusk

2281 Lava Ridge Court, Roseville, CA 95661
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  • New Construction

Amy DeBusk is a mortgage advisor that serves clients in Roseville and its surrounding areas. She assists clients in processing loans to purchase a property or refinance an existing mortgage. She offers mortgage refinancing to remodel or renovate an existing home, reduce the rate or term of the loan, cash out, or accelerate loan payment. She matches the mortgage options with the client's preferences and capability to pay. DeBusk has been in the lending industry for more than 20 years.

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Attorneys Funding Group logo

Attorneys Funding Group

905 Highland Pointe Dr Suite 100, Roseville, CA 95678
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  • Reverse Mortgages

Attorneys Funding Group caters to Roseville borrowers aiming to restructure existing loans. The brokerage firm offers rate-and-term, cash-out or cash-in, and consolidation mortgage refinancing to adjust term length and monthly payments. Its loan officers assess clients' finances and unique needs and formulate strategies to secure funding. They also accommodate borrowers whose previous loan applications were declined. For over 35 years, the veteran-owned and lawyer-led company has served more than 2,000 homebuyers. Its loan programs also include government-insured, conventional, reverse, construction, and fix-and-flip mortgages.

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Catalyst Mortgage logo

Catalyst Mortgage

3013 Douglas Blvd. Ste 135, Roseville, CA 95661
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  • Reverse Mortgages

Catalyst Mortgage serves the locals of Roseville and the surrounding communities. It provides guided refinancing solutions that help clients make informed decisions about which option works best for them. Some of these include fixed-rate and adjustable-rate mortgages, first-time homebuyer programs, FHA streamline refinancing, no upfront cost mortgage, and VA loans for purchasing and refinancing. Its team also offers home equity conversion mortgages. Catalyst Mortgage serves Northern California and is licensed to operate as a mortgage lender in seven states.

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JJ Mack Team logo

JJ Mack Team

2220 Douglas Blvd, Ste 220, Roseville, CA 95661
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  • New Construction

The JJ Mack Team is a locally owned and operated company in Roseville that provides mortgage services to property owners and buyers. It assists clients through the process of purchasing or refinancing their homes to lower interest rates and payments, shorten loan year length, or remove mortgage insurance. It handles various options, including jumbo, interest-only, FHA, VA, fixed-rate, and adjustable-rate loan types. The team is under American Pacific Mortgage and is led by branch manager JJ Mack, who has been in the field since 2005.

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Josh Merrill logo

Josh Merrill

3017 Douglas Boulevard, Suite 300, Roseville, CA 95661
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  • New Construction

Josh Merrill is the owner and principal broker of Merrill Home Loans Corporation in Roseville. He assists clients in the metro who seek mortgage refinancing options and home purchase loans. Merrill's team underwrites fixed-rate, adjustable-rate, conforming, jumbo, and super jumbo loans. His office also helps borrowers secure loans from government programs like VA, FHA, and USDA. Josh has more than 15 years of experience in the mortgage industry, having helped over 1,900 families achieve their dream of homeownership.

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Nation Wholesale Lending logo

Nation Wholesale Lending

1677 Eureka Rd #210, Roseville, CA 95661
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  • Commercial Loans

Nation Wholesale Lending is a Roseville-based company that has helped over 7,000 homeowners acquire or refinance over $2,500,000,000 in various lending options. These options range from FHA, USDA, and VA loans to reverse mortgages for residential properties like manufactured homes and condominiums. It also assists first-time homebuyers in applying for and getting CAL HFA loans for vacant homes throughout California. In addition to offering insurance options, its staff helps clients refinance their loans, providing them with financial analyses of available refinancing options with benefits like cash-outs or debt consolidation.

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Point Equity logo

Point Equity

925 Highland Pointe Dr. Suite 330, Roseville, CA 95678
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  • New Construction

Point Equity is a company that offers refinancing solutions to homeowners in Roseville and neighboring areas. It helps homeowners get new terms, interest rates, and lower monthly payments through refinancing. It also assists individuals who want cash for education, investments, or home improvements and those who wish to consolidate their loans. The company also offers home, conventional, FHA, VA, USDA, and alternative loans. Point Equity, which has 13 mortgage advisors, believes in making families empowered through smart financial decisions.

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The MVB Team logo

The MVB Team

1687 Eureka Rd, Suite 100, Roseville, CA 95661
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  • New Construction
  • Reverse Mortgages

The MVB Team serves the mortgage needs of families, professionals, and militaries in Roseville. It provides a variety of refinancing solutions to help buyers and investors improve their homes, lower interest rates and monthly payments, consolidate debts, and change loan rates and terms. For clients seeking to acquire primary residences or vacation homes, the agency processes fixed- and adjustable-rate, FHA, VA, and ARM loans. Principal agent Matt Von Bergen is a loan officer who brings over 15 years of industry experience.

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Unified Home Loans logo

Unified Home Loans

2270 Douglas Blvd Ste 215, Roseville, CA 95661
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  • Reverse Mortgages

Unified Home Loans is a mortgage brokerage serving homeowners and investors in Roseville and the surrounding areas. With decades of experience in the industry, its loan officers help clients get refinancing options that suit their needs. Loan options include fixed-rate mortgages, FHA, and USDA. The brokerage also offers rehab financing options to help clients cover the cost of their home renovation needs in a single mortgage. Mortgage loan programs for vacation and investment properties are also available.

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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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