Best Mortgage Refinance Companies in Salinas

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Affinity Mortgage logo

Affinity Mortgage

2542 S Bascom Avenue Suite 185, Campbell, CA 95008
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  • New Construction
  • Reverse Mortgages

Affinity Mortgage is a firm that caters to clients in Salinas and the surrounding areas. The full-service mortgage company provides a selection of refinance options that are tailored to the needs of local borrowers. Its refinancing programs include FHA streamline, VA cash out, jumbo, and conventional loans. It also offers niche programs, such as investor, private money, self-employed, and bank statement loans. The professionals at Affinity Mortgage have more than 80 years of combined experience in the real estate industry.

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Capitol Mortgage logo

Capitol Mortgage

1880 N. Main Street # 200, Salinas, CA 93906
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  • New Construction
  • Reverse Mortgages

Capitol Mortgage is a local brokerage that serves individuals and families in Salinas and the surrounding communities. It offers mortgage refinancing options, including cash-out refinancing, FHA streamline, and VA special purchase programs. It handles different types of loans, like 30-year mortgages, five-year ARMS, conventional, jumbo, commercial, and home equity lines. It accommodates loans requiring full or no documentation and those involving multi-family and non-owner occupied properties. Capitol Mortgage also assists clients who want to purchase a new home.

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Central Coast Home Loans logo

Central Coast Home Loans

7901 San Miguel Canyon Road, Prunedale, CA 93907
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  • New Construction
  • Reverse Mortgages

Central Coast Home Loans has been serving property owners and home buyers in Salinas and nearby locations for over 25 years. Its professionals help find a mortgage plan for borrowers who are planning to purchase their first homes and those who want to refinance their active loans. They work to search for a lending program that suits clients' short- and long-term financial goals. The agency president and acting broker, Patrick Hennessy, is a certified mortgage planning specialist who has been in the industry since 1987.

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Concept Mortgage logo

Concept Mortgage

821 East Lake Ave., Watsonville, CA 95076
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  • New Construction

Concept Mortgage serves individuals seeking funding for home improvement projects, loan payments, retirement, and healthcare. It collaborates with over 100 investors to provide Salinas clients with various types of refinancing and loan programs, such as a 30-year mortgage, FHA VA streamline, conventional, jumbo, and home equity lines, as well as cash-out programs for owner-occupied and non-owner-occupied homes. The company also caters to senior citizens with different reverse mortgage types, including single-purpose, home equity conversion mortgages, and proprietary.

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Elva Wormley logo

Elva Wormley

1930 Camden Avenue, Suite 1B, San Jose, CA 95124
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  • New Construction

Elva Wormley is a mortgage consultant that serves clients across Salinas. She deals with homeowners looking to refinance their loans. Wormley analyzes the client's situation and discusses the differences between mortgage programs to help them reduce their interest rates or decrease their monthly payments. She also provides FHA 203K loans for individuals seeking to acquire properties and renovate spaces like kitchens and bathrooms. Wormley has been in the industry since 1981. She once worked under the Windsor Capital Mortgage Corporation as a branch manager.

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Jack Kirk logo

Jack Kirk

336 Main St, Salinas, CA 93901
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  • New Construction

Jack Kirk is the Premier Mortgage Resources, LLC branch manager in Salinas. Premier Mortgage Resources, LLC is an approved Fannie and Freddie seller servicer and offers a full menu of mortgage products including purchase, refinance, and reverse loans. Kirk assists clients seeking mortgage refinancing through Xcelerate, the firm's exclusive loan process and approval system that allows buyers to get underwriting pre-approval within 48 hours after the initial application. Founded in 2005, Premier Mortgage Resources, LLC has branches throughout the country.

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Loans By CMS logo

Loans By CMS

3 Winham St., Salinas, CA 93901
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  • Reverse Mortgages

Loans By CMS caters to clients in and around the Salinas metro. The company walks homeowners through the mortgage refinancing process. It has dealt with owners of a range of properties, from townhomes to condos. The company also helps clients obtain property and offers various mortgage options, including fixed-rate and adjustable-rate loan programs. It maintains a website that contains tools like mortgage calculators. Loans By CMS is the recipient of the Visionary Breakthrough award in 2022 from the Association of Independent Mortgage Experts.

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Loans by Irene logo

Loans by Irene

116 E. Campbell Ave. Suite 5, Campbell, CA 95008
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  • Multi-Family Loans

Loans by Irene caters to clients in Salinas and its surrounding communities. It provides various financial products for people looking to buy a home or refinance their current mortgages. Its loan options include jumbo, conventional, conforming, business entity, FHA, and VA loans. Irene Moustakas, the company's owner, has worked in the industry since 2001. She holds the CMHS designation and is a member of the California Association of Mortgage Professionals. One customer commended Irene for her patience in answering his countless questions, which happened daily.

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Monterey Bay Mortgage logo

Monterey Bay Mortgage

2601 41st Avenue Suite C, Soquel, CA 95073
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  • Multi-Family Loans

Monterey Bay Mortgage serves customers in Salinas who want to refinance their loans. It provides borrowers access to its mortgage calculator tool to help them determine whether refinancing their mortgage is a wise financial decision. Its mortgage advisors are available to discuss the entire process with clients to help them decide which program suits their needs. Some of the loan programs Monterey Bay Mortgage offers are VA, FHA, USDA, jumbo, and adjustable and fixed-rate loans.

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TreeHouse Mortgage Group logo

TreeHouse Mortgage Group

838 South Main Street Suite C, Salinas, CA 93901
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  • Reverse Mortgages

TreeHouse Mortgage Group has been serving clients in Salinas and nearby locations since 1999. The Loan Advisors at Treehouse Mortgage Group assist in selecting the mortgage product that best suits the client's financial situation, whether to buy or refinance. A fixed-rate mortgage is a popular lending package for homeowners who want a consistent monthly interest rate and payment throughout the loan. Jumbo, adjustable, and conforming loan types are also available. Branch manager Heidi Daunt was recognized as one of America's Top 1% Mortgage Originators.

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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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