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Best Mortgage Refinance Companies in San Francisco

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California Mortgage Advisors logo

California Mortgage Advisors

4304 Redwood Highway, Suite 100, San Rafael, CA 94903
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  • New Construction
  • Reverse Mortgages

California Mortgage Advisors provides loan programs to the residents of San Francisco and the surrounding areas. It helps property owners save money on interest costs and mortgage payments by refinancing their homes. The company has expertise in zero-point and closing cost loans. Its advisors offer various mortgage options, such as FHA, HELOC, HUD, RHS, USDA, and VA. They use an alert system to monitor rates daily and notify consumers when they are eligible to refinance. Since 1993, CMA has funded over $10 billion in residential loans.

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Home Lending Company logo

Home Lending Company

601 Van Ness Avenue E441, San Francisco, CA 94102
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  • New Construction

Home Lending Company is an Equal Housing Lender based in San Francisco. It assists homebuyers and homeowners with their financing or refinancing requirements, helping them reach their dreams of homeownership. Its team also walks customers through the loan process, allowing them to select the best mortgage for their family. Homeowners can also lower their monthly rates by seeking the assistance of the professionals at Home Lending Company. Additionally, the firm offers a mortgage refinance center that has up-to-date resources on various loan programs.

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Levias Lending logo

Levias Lending

1101 Marina Village Pkwy, Suite 201, Alameda, CA 94501
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  • Reverse Mortgages

Levias Lending serves clients across San Francisco. The company guides individuals seeking to refinance their mortgages. It has dealt with owners of different types of properties, including townhouses, condominiums, and manufactured homes. The company also provides mortgage programs like VA, USDA, and FHA loans, for clients looking to fulfill their goal of homeownership. Its founder and namesake, Stephen Levias, once worked as a mortgage loan officer at Bank of America. He has spent more than a decade in the financial services field.

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Orka Investment logo

Orka Investment

San Francisco, CA
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  • Multi-Family Loans
  • New Construction

Orka Investment deals with clients throughout the San Francisco area. The company educates homeowners through the process of refinancing. It uses no-pressure methods to discuss options with clients. It also provides mortgage program options like conventional, jumbo, and alternative financing loans to help individuals acquire residential or commercial properties. It has experience serving self-employed borrowers. To help families protect themselves against severe financial risk, the company offers homeowners' insurance. It sets up other insurance policies that cover vehicles.

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Primary Residential Mortgage, Inc. logo

Primary Residential Mortgage, Inc.

1746 18th Street, San Francisco, CA 94107
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  • New Construction

Primary Residential Mortgage, Inc., serves clients throughout the San Francisco area. Its mortgage professionals assist clients in finding and applying for lending solutions and refinancing existing mortgages. For current mortgagors, they help them consider the benefits and costs of refinancing options and recommend to them solutions, such as refinances centered around lowering monthly payments or shortening the current term, favorable to their needs. Co-founder Michael Koran has over a decade of industry experience. He also performs volunteer work, supporting refugee camps set up by the United Nations.

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SELFi logo

SELFi

44 Montgomery Street, Suite 02-172, San Francisco, CA 94104
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  • Multi-Family Loans
  • New Construction
  • Reverse Mortgages

SELFi connects San Francisco residents to lenders with mortgage solutions that suit their needs. Rocket Mortgage by Quicken Loans and LoanDepot are two of the company’s trusted lenders. One of SELFi’s programs is the DIY Refi, a refinancing program unique for its wholesale interest rates, licensed mortgage coach, and focus on education. In addition, most loans under DIY Refi close within 30 days. Behind the company is Joseph Flannery, the CEO who is a mortgage adviser that the Scotsman Guide magazine acknowledged in 2016 and 2017.

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SunnyHill Financial logo

SunnyHill Financial

600 California St, Suite 15-007, San Francisco, CA 94108
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  • Commercial Loans
  • New Construction

SunnyHill Financial is a mortgage lender serving clients in San Francisco. It helps homeowners reduce their interest rates and shorten the term of their mortgage loans through refinancing. Its loan officers have more than five decades of experience working with traditional banking institutions and fintech startups. They assist first-time homebuyers in navigating the home loan process by providing them with rate comparisons. SunnyHill Financial is also licensed to offer mortgage loans in several states, including Colorado, Arizona, and Florida.

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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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