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Best Mortgage Refinance Companies in Roseville

2024

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Providers

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

Why choose this provider?

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.

License Verified:

License: 1965830

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 (122)
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

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

Why choose this provider?

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.

License Verified:

License: 349407

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.
4.7
Google
5.0 / 5 (32)

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

Why choose this provider?

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.

License Verified:

License: 448406

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 (48)
Facebook
5.0 / 5 (16)

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
9067 Foothills Blvd. #6, Roseville, CA 95747
  • New Construction

Why choose this provider?

Cali Mortgage caters to Roseville locals. It provides refinancing options to owners of single-family, multi-family, townhouses, and condominiums so that they can get lower monthly rates, shorten their loan terms, or get cash from equity. Its team of loan officers guides its clients through every option, pointing out the advantages and disadvantages to help them make an informed choice based on their financial situation. The company also offers fixed-rate, adjustable rate, FHA, jumbo, 203K, and USDA loans.

License Verified:

License: 262862

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.
4.6
Yelp
4.5 / 5 (42)
Google
4.6 / 5 (35)
Facebook
5.0 / 5 (12)

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
3741 Douglas Boulevard, Suite 210, Roseville, CA 95661
  • Alternative Income Documentation Loans

Why choose this provider?

Allison Hoffman is a senior loan officer with Movement Mortgage, which serves clients in Roseville. She offers loan options to home buyers, investors, and individuals seeking refinancing. Hoffman gives personalized mortgage solutions to clients by discussing with each of them the details of various loan options like FHA, VA, jumbo, reverse and fixed mortgages, and HARP loans. User-friendly tools are available on her website for payment calculation, refinance analysis, home valuation, insurance quotes, and pre-approval to speed up the process.

License Verified:

License: 983672

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 (29)
Google
5.0 / 5 (19)
Yelp
5.0 / 5 (12)

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
2998 Douglas Blvd Suite 320, Roseville, CA 95661
  • Reverse Mortgages

Why choose this provider?

The Ruppel Team is a mortgage refinance company serving Roseville. Its offerings include refinancing and home loan programs. The latter cover FHA and VA home loans, fixed rate and adjustable rate mortgages, hybrid ARMS, and bank statement loans. Clients intending to pursue homeownership through purchase or refinance can commence a loan application at their website. The company also has an explanatory blog to inform clients' decisions. Char Ruppel, the company's branch manager, entered the mortgage industry in 2005.

License Verified:

License: 99445

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.
4.7
Google
4.9 / 5 (43)
Yelp
4.5 / 5 (29)

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

Why choose this provider?

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.

License Verified:

License: 872811

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.
4.7
Google
4.7 / 5 (15)
Facebook
5.0 / 5 (8)
Yelp
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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.

License Verified:

License: 281056

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
5.0 / 5 (25)
Facebook
5.0 / 5 (20)
Yelp
4.5 / 5 (14)

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

Why choose this provider?

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.

License Verified:

License: 226014

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 (131)
Facebook
5.0 / 5 (106)
Google
5.0 / 5 (86)

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

Why choose this provider?

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.

License Verified:

License: 236492

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.
4.3
Google
4.2 / 5 (84)
Facebook
4.7 / 5 (76)
Yelp
4.0 / 5 (75)

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

Why choose this provider?

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.

License Verified:

License: 1404205

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
Google
4.9 / 5 (70)
Facebook
4.8 / 5 (34)
Yelp
1.0 / 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

Website
2251 Douglas Blvd. Suite 100, Roseville, CA 95661
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Loan City Home Loans assists Roseville residents in finding an appropriate mortgage solution for their needs. It helps clients refinance an existing home mortgage to replace high-interest loans with plans such as fixed-rate and adjustable-rate mortgages. It also has FHA streamline programs for homeowners in an FHA loan, jumbo programs for larger loans, and VA programs for military families. To realize its goal of building lasting relationships, the company maintains contact with clients even after the loan has been closed.

License Verified:

License: 939570

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 (117)
Google
5.0 / 5 (29)
Facebook
5.0 / 5 (6)

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

Why choose this provider?

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.

License Verified:

License: 209736

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 (14)

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.
  • When is the right time to refinance your current mortgage in Roseville?

    It is a good idea to consider refinancing your mortgage in Roseville when you have consistently made payments for at least six months. Also, if mortgage rates have experienced a decline, your credit score has seen an improvement, your home's value has appreciated, and you have managed to build up considerable equity, it could be the right time to initiate the process.

  • What refinancing choices are available in Roseville for using funds from your property's equity?

    In Roseville, you have several options for refinancing to use your property's equity. These include a Home Equity Line of Credit, a fixed amount Home Equity Loan, and a cash-out refinance that provides access to cash from your equity. These options offer flexible ways to fund various needs or investments using the accumulated equity in your property.

  • How can you estimate the value of your home for refinancing purposes in Roseville?

    To estimate your home's value for refinancing in Roseville, begin by researching recent home sales in your area. You must have already paid up more than 20% of your mortgage loan or your home's value. Also, keep in mind that during the refinancing process, lenders in Roseville will conduct a comprehensive appraisal of your home to determine its precise value, providing a complete assessment for the refinancing procedure.

  • Are there specific requirements to qualify for a cash-out refinance in Roseville?

    Yes. To qualify for a cash-out refinance in Roseville, lenders impose credit scores and qualifying prerequisites. Although a credit score of 620 or higher is often favored, there is room for flexibility. Most lenders find a debt-to-income ratio below 50% favorable, while some might mandate paying off existing debt during the refinance process.

  • Can you use a debt consolidation mortgage refinance to pay off other debts besides credit cards in Roseville?

    Yes. Besides credit cards, you can use a debt consolidation mortgage refinance to pay off medical bills, student loans, and other loan balances in Roseville. The goal is to combine these diverse debts into a single, more convenient monthly payment. This approach can simplify your financial commitments and potentially lead to reduced overall interest rates.

  • 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.