Expertise.com

2024

Last updated:

Best Mortgage Refinance Companies in Sacramento

Our Recommended Top 19

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Sacramento Mortgage Refinance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

260Reviewed

163Curated

19Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1401 Halyard Drive, West Sacramento, CA 95691
WebsiteLicense: 1909488

Expertise.com Rating

Review Sources

Yelp
1.0 (2)

Why choose this provider?

Hawkins Home Loans, Inc. is a mortgage refinance company that serves residents in Sacramento. The business helps clients in finding the right loan option for their unique needs. Its team of professional specialists tailors its approach based on the demands of the client because it believes that there is no standard style for a mortgage loan. The team is well-versed in handling a wide range of loans including FHA, VA adjustable rate, and fixed rate.

  • NMLS #: 39166

980 9th St Ste 1780, Sacramento, CA 95814
WebsiteLicense: 273080

Expertise.com Rating

Review Sources

Yelp
5.0 (69)

Why choose this provider?

Jason Mata is a mortgage specialist affiliated with American Pacific Mortgage. Jason and his team of loan officers help clients in Sacramento through the mortgage process, educating them on available options and loan requirements. They can walk clients through refinancing VA loans, adjustable-rate mortgages, and FHA loans. Their refinancing process includes consulting with clients on their financial goals and helping them decide the best option. Jason Mata has been featured in Sactown Magazine and has also made a guest appearance on Money 105.5 Radio.

  • NMLS #: 39166

2580 Fair Oaks Blvd., Suite 20, Sacramento, CA 95825

Expertise.com Rating

Review Sources

Google
5.0 (17)

Why choose this provider?

John Foderaro is a senior loan officer of Guild Mortgage that serves clients in Sacramento. He offers mortgage refinancing and hundreds of loan products for a variety of borrowers, such as first-time homebuyers, rural residents, and military families. He also provides FHA, USDA, VA, renovation, and conventional loans and tailors a borrowing strategy based on the customer's lifestyle. Guild Mortgage received the Best for Product Selection award from the U.S. News & World Report in its Best Mortgage Lenders rankings of 2021.

  • Multi-Family Loans

717 K Street, Suite 510, Sacramento, CA 95814

Expertise.com Rating

Why choose this provider?

Elevate Mortgage Company caters to Sacramento residents who need home financing options. These choices include fixed and adjustable-rate products across jumbo, conventional, or FHA loans. The terms vary from five to 30 years. Agent Adrian Petersen has been in the mortgage industry for over two decades, and has accommodations in place for teachers, police officers, first responders, and veteran military personnel. He also delivers refinancing options to secure more favorable terms and conditions for existing debts.

  • Multi-Family Loans

1111 Howe Avenue Suite 510, Sacramento, CA 95825

Expertise.com Rating

Review Sources

Google
5.0 (79)
Facebook
5.0 (36)

Why choose this provider?

New Way Mortgage is a company operating in Sacramento. It helps clients who are looking to buy or refinance a property in pre-qualifying for different types of loan programs, such as VA, FHA, USDA, jumbo, fixed-rate, and rehab. Its website tools guide clients in making well-informed decisions based on their home valuation, credit information, or comparative market analysis. The company's CEO, Aaron Clowes, serves as a veteran air traffic controller of the team as he maintains coordination with clients to determine their mortgage needs.

  • New Construction

2100 Northrop Avenue Suite 900, Sacramento, CA 95825

Expertise.com Rating

Review Sources

Google
5.0 (83)
Facebook
5.0 (41)
Yelp
5.0 (20)

Why choose this provider?

The Chris Kennedy Team is a group of mortgage professionals serving the Sacramento community. Its team assists different kinds of clients, such as first-time homebuyers and veteran real estate investors, with loan approvals, qualifications, and on-time closings. A wide range of loan programs is available including conventional, refinance, FHA, and VA. Senior loan officer Chris Kennedy, a mortgage industry producer since 2000, applies the discipline and hard work he gained while serving in the military.

  • Reverse Mortgages

707 Commons Drive Suite 103, Sacramento, CA 95825

Expertise.com Rating

Review Sources

Google
4.9 (76)
Yelp
5.0 (33)

Why choose this provider?

Matt Gouge is a loan originator affiliated with UMortgage. He caters to clients in the Sacramento metro and the surrounding communities. Gouge offers mortgage refinancing options, which allow homeowners to change up their term or cash out their home equity. He assists clients throughout the process, including the refinance analysis, interest rate and term comparison, and loan selection. Gouge provides various programs, including adjustable- and fixed-rate, CalPATH and CalPERS, jumbo, FHA, and VA loans.

  • Reverse Mortgages

5890 South Land Park Drive, Sacramento, CA 95822
WebsiteLicense: 173062

Expertise.com Rating

Review Sources

Yelp
5.0 (61)

Why choose this provider?

Green Haven Capital Inc. is a mortgage refinancing company serving Sacramento for more than 13 years. It is also licensed in three more states apart from California such as Colorado, Utah, and Maryland. It comprises a staff of real estate and loan professionals with over 40 years of combined industry experience. Green Haven Capital helps clients looking to buy their first home or refinance their existing loans. The company offers personalized services such as VA, FHA, USDA, Jumbo, Non-QM, and Down Payment Assistance loans.

  • NMLS #: 39166

3673 J Street, Sacramento, CA 95816

Expertise.com Rating

Review Sources

Facebook
4.8 (46)
Google
5.0 (20)
Yelp
4.5 (20)

Why choose this provider?

Kappel Mortgage Group Incorporated is a residential lending company that provides tailored financial solutions to Sacramento clients. It helps homeowners decrease their monthly payments and pay off their debts faster through refinancing. The procedure entails speaking with mortgage refinance advisors and gathering the necessary documents. Additionally, the agency offers conventional, jumbo, B/C, and VA loans. Sharon McKernan, a broker associate and mortgage specialist, has been in the lending industry for three decades. She holds a bachelor's degree in Finance and Economics.

  • New Construction

629 Lincoln Way Suite 300, Sacramento, CA 95603
WebsiteLicense: 372256

Expertise.com Rating

Review Sources

Google
5.0 (75)
Facebook
5.0 (13)

Why choose this provider?

Broker Direct Lending has been serving clients across Sacramento since 2017. The company deals with homeowners refinancing their mortgages and helps them obtain lower interest rates in the process. It provides online tools like refinance calculators to educate clients on the impact of their decisions on their finances. The company also offers specialized loan options for aspiring homeowners, including interest-only mortgages and balloon loans. Its owner, Marcus Johnson, previously held a management role under the firm Guaranteed Rate.

  • New Construction
  • Reverse Mortgages

530 La Sierra Dr, Sacramento, CA 95864

Expertise.com Rating

Review Sources

Google
5.0 (39)
Yelp
5.0 (4)

Why choose this provider?

CalStateLender, Inc., is a mortgage brokerage firm serving clients in Sacramento. It offers refinancing services that help clients reduce interest rates and monthly payments, change mortgage terms, and take out cash from equity. It has various loan types, including conforming, jumbo, FHA, VA, and USDA, with fixed and adjustable rates as well as five-year to 30-year terms. The company also assists with home purchases of first-time homebuyers and repeat buyers. CalStateLender is headed by Sean Safholm, who has over 16 years of industry experience.

  • New Construction
  • Reverse Mortgages

2716 Broadway, Sacramento, CA 95818

Expertise.com Rating

Review Sources

Google
4.9 (258)
Facebook
4.8 (96)
Yelp
5.0 (81)

Why choose this provider?

West Coast Mortgage Group Sacramento delivers various loan programs to clients in the metro and its surrounding areas. These options include conventional, jumbo, and FHA arrangements, as well as reverse mortgages. The firm has calculators on its website that enable users to compute for their dues before meeting an adviser. West Coast Mortgage has been serving the metro for over 15 years. Its clientele extends to military service members who qualify for loans with the Department of Veterans Affairs.

  • New Construction

4401 Hazel Avenue Ste 135, Fair Oaks, CA 95628

Expertise.com Rating

Review Sources

Yelp
5.0 (7)

Why choose this provider?

Ashley Willard Mortgage Loan Officer comprises a team serving clients in the Sacramento area. It offers assistance with cash-out refinances for college tuition, home improvements, and debt consolidation. It also provides rate and term refinance services to lower interest rates and monthly mortgage payments and reduce the number of years of the loan. The agency has FHA, conventional, and VA home loans available. It is headed by Ashley Willard, who has over 13 years of experience in the mortgage industry.

  • Reverse Mortgages

917 7th St, Sacramento, CA 95814

Expertise.com Rating

Review Sources

Google
4.8 (238)
Yelp
4.0 (61)
Facebook
4.7 (58)

Why choose this provider?

United Wholesale Lending is a mortgage brokerage firm serving Sacramento and nearby areas. It offers refinancing solutions to reduce loan payments, consolidate debts, change terms, and pull out cash. The firm has a wide variety of loans available, including FHA, USDA, CalHFA, VA, and adjustable-rate. It also handles reverse mortgages for seniors looking to purchase single-family homes and FHA-approved condominiums. United Wholesale Lending's owner Shelby Elias holds a program to educate people on the home buying process.

  • New Construction

2716 Broadway, Sacramento, CA 95818

Expertise.com Rating

Review Sources

Google
5.0 (73)
Yelp
5.0 (6)

Why choose this provider?

Michael Buccella is a mortgage professional who manages a lending business in Sacramento. He accommodates clients seeking a new home loan and those who wish to refinance their existing loans. Among the mortgage programs available are conventional, FHA, FHA streamline refinance, VA, VA-IIRL, and down payment assistance loans. During consultations, Michael works with the borrowers to determine their loan eligibility. He offers them tailored loan packages with the support of the West Coast Mortgage Group.

  • New Construction

338 Cernon Street, Vacaville, CA 95688
WebsiteLicense: 1928590

Expertise.com Rating

Review Sources

Google
4.9 (13)
Facebook
5.0 (2)

Why choose this provider?

Mortgage Masters of California is a local lending company servicing the Sacramento community. It assists clients in purchasing a home and or refinancing a mortgage depending on their needs and preferences. A wide range of loan products is available for different types of home financing solutions. The company's website features the Walton Funding Payment Calculator, which allows clients to acquire a precise rate based on principal, interest, property taxes, and homeowners' insurance. Branch manager Eric Wiegand manages a team with specialization in residential and multi-unit properties.

  • NMLS #: 39166

1100 Corporate Way Suite 210, Sacramento, CA 95831

Expertise.com Rating

Review Sources

Google
5.0 (303)
Facebook
5.0 (80)
Yelp
5.0 (72)

Why choose this provider?

GFL Capital Mortgage is a firm that serves clients in Sacramento and the surrounding areas. It provides mortgage refinance and loan options, including FHA, fixed-rate mortgage, VA, and cash-out refinance. It assesses current market conditions and develops loan options to more efficiently meet the requirements of individuals and families. GFL Capital Mortgage aims to help existing and potential homeowners with home financing needs, and its mortgage advisors assist clients throughout the application process. The company has been in the mortgage industry since 2007.

  • Reverse Mortgages

2260 Del Paso Road, Suite 200, Sacramento, CA 95834

Expertise.com Rating

Review Sources

Facebook
5.0 (76)
Google
5.0 (63)
Yelp
5.0 (47)

Why choose this provider?

Golden Bay Mortgage Group serves clients in the Sacramento area. It offers refinancing solutions that help reduce interest rates and monthly payments and change mortgage terms. It also assists with cash-out refinancing. The agency has various loan types available, including jumbo, FHA, VA, USDA, HARP, and conforming options. It provides fixed-rate and adjustable-rate mortgages with terms from five to 30 years. Additionally, it caters to first-time home buyers and repeat buyers. CEO and president Rene Jacques has been serving the real estate industry since 2003.

  • Reverse Mortgages

1350 Sutterville Road, Sacramento, CA 95822
WebsiteLicense: 231175

Expertise.com Rating

Review Sources

Yelp
5.0 (13)

Why choose this provider?

Located in Sacramento, Evans Mortgage Co. is a mortgage lender that has been in operation for more than 28 years. It offers home mortgage refinancing options for those looking to obtain financial benefits such as decreased interest rates, reduced loan terms, and the replacement of adjustable-rate loans with fixed-rate loans. It handles FHA loans, VA loans, and home equity loans. Marcia Evans, one of the founders of Evans Mortgage, has been working in the mortgage industry since the mid-80s.

  • NMLS #: 39166

FAQs

  • 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.
  • What are the current annual percentage rates for Sacramento properties?

    As of August 2023, the annual percentage rate for a 30-year fixed-rate mortgage in Sacramento is 6.931%. Meanwhile, the rate for a 15-year fixed mortgage is 6.103% and 6.342% for 10-year fixed mortgages. These are lower than the rates for adjustable-rate mortgages, which is 7.649% for 7-year ARMs and 7.698% for five-year ARMs.

  • What is the home appraisal process in Sacramento?

    In order to determine the fair market value of a property in Sacramento, a home appraisal must be conducted by a state-licensed and lender-approved professional. The appraiser will inspect the home’s interior and exterior areas, as well as compare it to sales on the street. Home appraisals are needed for both home purchases and refinance mortgage loans.

  • What are the refinance options available for Sacramento Fannie Mae loans?

    Those in Sacramento whose mortgage is owned or guaranteed by Fannie Mae may refinance through the RefiNow program, which offers lower interest rates, reduced monthly payments, and savings on appraisal expenses. Homeowners who wish to refinance for home improvement or energy upgrade purposes may opt for the HomeReady, HomeStyle Renovation, or HomeStyle Energy programs.

  • What are the refinance loans offered to Sacramento veterans?

    The U.S. Department of Veterans Affairs offers two types of refinance loans to eligible veterans in Sacramento: the VA IRRRL and VA cash-out refinance loan. The VA IRRRL, or the VA Interest Rate Reduction Refinance Loan, allows applicants to improve their monthly payments. Meanwhile, the VA cash-out refinance loan may be used to pay off one’s debts, do home improvements, or make a large purchase.

  • How does refinancing in Sacramento help with debt consolidation?

    Taking out a debt consolidation loan will allow Sacramento residents to refinance their existing debts into one manageable loan using the amount of equity in their homes. Apart from a simplified repayment plan, debt consolidation may also lead to lower interest rates. In addition, consistently keeping up with the payments on one’s consolidated loan leads to improved credit scores.

  • 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.