Best Mortgage Refinance Companies in Salinas

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.

Affordable Home Finance offers mortgage refinancing assistance to locals in and around the Salinas metro. Its agents guide individuals or families who are looking into reducing monthly payments, consolidating existing debts, or cashing out some of their home's equity. The firm provides clients with a wide selection of mortgage options and walks them through the entire refinancing process. In addition, there are lending programs offered to first-time buyers as well as seasoned investors who are interested in purchasing homes.

Associated Home Loans is a brokerage firm that strives to meet the refinancing needs of the Salinas community. Its professionals, led by owner Trish Ward, guide clients in applying to refinancing programs. Ward and her team advise borrowers regarding market rates, fees and additional costs, and the best practices in getting approved for refinancing. Ward has more than 25 years of experience in the real estate industry and is the co-founder of the nonprofit, Finding Sophia.

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.

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.

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.

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.

Global Mortgage provides refinancing options to residents of Salinas. It assists clients in meeting their various financial needs, which include getting lower monthly rates, shorter terms, or cash from equity through refinance loans. It also offers conventional, FHA, non-QM, jumbo, USDA, and VA loan options. Global Mortgage guides its clients through the loan process to enable them to make the best choice for their financial needs. It uses online tools to make its loan process convenient for borrowers.

Golden Eagle Mortgage Group provides an array of solutions to help Salinas homeowners reach their financial goals. The company assists mortgage borrowers in refinancing their homes to secure lower interest rates, combine loans, and adjust payment terms. Its loan officers review and verify financial details, create customized refinancing plans, and guide clients regarding closing costs, pricing, and process intricacies. Founder and mortgage consultant Pauline Amstutz established the company in 1999 and supports the community through the Toy Drive event.

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.

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.

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.

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.

Monterey Bay Resources, Inc., renders lending solutions, including mortgage refinancing services, to property owners and buyers in Salinas. It assists those in need of lines of credit, equity cash out, or a second mortgage. In addition, Monterey Bay Resources offers bridge loans. It gives back to the community by supporting non-profit organizations, such as the Diversity Center and the Youth Resource Bank. Its president and broker, Ami Ebright, is a board member of the Santa Cruz Community Credit Union. Ami can also speak Mandarin.

Pacific Coast Mortgage Company caters to the refinancing goals of homeowners in the Salinas metro. Its mortgage brokers guide borrowers in each step of the refinancing process, starting from application to funding. Through its network of national wholesale lenders, the company creates refinancing options suited to the needs of each client. It was established by managing broker, David Schuman, in 2004. Schuman holds a degree in Business with a major in real estate and banking.