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Best Mortgage Refinance Companies in San Jose

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6020 Hellyer Avenue, San Jose, CA 95138
San Jose, CA 95138
  • Construction
  • Reverse Mortgages
  • Residential
  • Commercial Financing

101 Loan is a San Jose-based mortgage company with over 30 years of experience. Among its services is mortgage refinancing, which aids clients to reduce their existing mortgage interest rates and redefine terms. Having access to some of the leading lenders in the country, 101 Loan provides customized refinancing programs based on the client's financial profile, long-term goals, and short-term needs. The loan process is simplified, which only includes an online application, provision of loan options, and choosing the program.

6020 Hellyer Avenue, San Jose, CA 95138
San Jose, CA 95138

Website(408) 377-4123

Show Number

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.

Online Profiles:

4 (Best)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

203 (Best)

Score Consistency:

Consistent (Best)

1250 Aviation Avenue, San Jose, CA 95110
San Jose, CA 95110
  • Reverse Mortgages
  • New Construction

C2 Financial Corporation is a mortgage refinance company that serves clients in San Jose and nearby areas. The business helps individuals in choosing the right mortgage loans with the best interest rates. Its team of mortgage specialists handles a wide range of loan programs such as the FHA, VA, jumbo, conventional, and specialty options. The company is led by Shawn Sidhu, a mortgage broker who has also been working as the branch manager since 2011.

1250 Aviation Avenue, San Jose, CA 95110
San Jose, CA 95110

Website(408) 610-8011

Show Number

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.

Online Profiles:

2 (Better)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

215 (Best)

Score Consistency:

Consistent (Best)

3190 S. Bascom Avenue, Suite #100, San Jose, CA 95124
San Jose, CA 95124

Direct Mortgage Funding is a full-service firm offering purchase, refinancing, and construction loans in San Jose. It has been helping individuals and property owners find the appropriate loan options for their needs since 1996. The lending officers help clients decide on different programs, including FHA, VA, and apartment mortgages. The company's mortgages can also be fixed-term, adjustable-rate, and periodic-fixed. The bank assists individuals 62 years and up with reverse mortgages, which are designed specifically for seniors.

3190 S. Bascom Avenue, Suite #100, San Jose, CA 95124
San Jose, CA 95124

Website(408) 559-0600

Show Number

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.

Online Profiles:

1 (Good)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

380 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

1879 Holmes St, Livermore, CA 94550
Livermore, CA 94550

Serving clients throughout the San Jose area, Fremont Bank offers a variety of home loan solutions for mortgage refinancing. Its team of lenders is dedicated to helping clients achieve their financial goals, which often include lowering monthly mortgage payments, shortening mortgage terms, or consolidating their revolving debt. It offers several options for those looking to refinance, including adjustable-rate, fixed-rate, and smart-rate refinancing, which allows clients to access the bank's lowest available interest rates. Fremont Bank also offers a broad range of other services, including personal and business banking, commercial and personal loan products, and wealth management services such as estate planning and life insurance.

1879 Holmes St, Livermore, CA 94550
Livermore, CA 94550

Website(800) 359-2265

Show Number
1245 South Winchester Boulevard, San Jose, CA 95128
San Jose, CA 95128
  • Reverse Mortgages
  • Commercial Loans
  • Multi-Family Loans

InstaMortgage Inc. is a tech-focused mortgage lender that serves clients in the San Jose metro. It helps its clients secure better financing for their homes and offers mortgage programs, including VA, FHA, jumbo, and conventional loans. It has invested in specialized technology such as robotic process automation, intelligent automation, optical character reading, and artificial intelligence to provide clients with faster mortgage processing time. Its founder and CEO, Shashank Shekhar, is an author and has been published in Forbes, Inc, Housing Wire, and Huffington Post.

1245 South Winchester Boulevard, San Jose, CA 95128
San Jose, CA 95128

Website(855) 644-5626

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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.

Online Profiles:

3 (Best)

Average Review Score:

4.9 / 5 ( Best)

Total Reviews:

259 (Best)

Score Consistency:

Consistent (Best)

2195 Tully Road, San Jose, CA 95122
San Jose, CA 95122
  • Reverse Mortgages
  • New Construction

San Jose-based Loan Factory is a mortgage refinance company founded by mortgage broker Hoa Do. The company works closely with home buyers, sellers, and commercial clients. Its refinancing services help clients save money, turn property equity into cash, and buy new properties with a convenient online loan process. The company provides custom real-time rate quotes from various lenders. Do was named Top 20 Mortgage Broker by Rocket Pro TPO at the 2020 Rocket Awards.

2195 Tully Road, San Jose, CA 95122
San Jose, CA 95122

Website(408) 829-0509

Show Number

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.

Online Profiles:

1 (Good)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

3 (Good)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

2195 Tully Road, San Jose, CA 95122
San Jose, CA 95122
  • Reverse Mortgages

Loan Factory is a mortgage broker company with licenses in different locations, including its headquarters in San Jose. Connected to a wide network of lenders, Loan Factory covers new mortgage loans and refinancing an existing mortgage. As part of its loan process, the company provides customized, real-time rate quotes, rate movement updates, and extensive rate comparisons from different lenders. Scottman Guide has recognized the company as one of the Top Originators for three consecutive years since 2019.

2195 Tully Road, San Jose, CA 95122
San Jose, CA 95122

Website(408) 877-8000

Show Number

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.

Online Profiles:

3 (Best)

Average Review Score:

4.9 / 5 ( Best)

Total Reviews:

808 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A

Helpfulness: A+

Detail: A+

1559 Meridian Avenue, San Jose, CA 95125
San Jose, CA 95125
  • New Construction

Mortgage Refinance San Jose CA is a mortgage refinancing company in San Jose. Its team of mortgage loan refinance experts provides services to individuals who are planning to refinance their home loans. They offer an in-depth explanation of refinancing and its process. They also help clients set goals and compute the estimates of their new mortgage. Mortgage Refinance San Jose CA seeks to give its clients the most competitive mortgage refinance rates.

1559 Meridian Avenue, San Jose, CA 95125
San Jose, CA 95125

Website(669) 231-3715

Show Number
3005 Silver Creek Road, San Jose, CA 95121
San Jose, CA 95121
  • Reverse Mortgages

Pacificwide Business Group Inc. is a property management and refinancing company based in San Jose. It provides conventional mortgages with terms reaching seven years, along with FHA loans and REFI plus loans available to those with a FICO score of 680 and above. Freddie Mac loan program that provides a one-year tax return for those self-employed individuals, as well as cash-it home loan for home investments. It aids residential and commercial property owners in listing and selling single-family homes, condominium units, and commercial units.

3005 Silver Creek Road, San Jose, CA 95121
San Jose, CA 95121

Website(408) 532-1278

Show Number

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.

Online Profiles:

1 (Good)

Average Review Score:

4.3 / 5 ( Best)

Total Reviews:

11 (Better)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: --

88 S 4th St Ste 120, San Jose, CA 95112
San Jose, CA 95112
Instagram

Premier One Credit Union offers a range of options for home mortgage refinance in San Jose and its surrounding areas. The company's team of mortgage and lending professionals possesses expertise in a variety of home loan solutions, including mortgage refinancing for those who wish to free up cash for major expenses, reduce their loan term, or lower monthly payments. In addition to working with homeowners to refinance their primary properties, Premier One Credit Union offers its services to investment property managers. Its conventional mortgage solutions come with low closing costs, and clients can choose between adjustable-rate and fixed-rate interest terms.

88 S 4th St Ste 120, San Jose, CA 95112
San Jose, CA 95112

InstagramWebsite(855) 500-7128

Show Number
2010 N 1st St, San Jose, CA 95131
San Jose, CA 95131

Technology Credit Union offers home mortgage refinance in San Jose and throughout its surrounding areas. Its refinancing options are available to homeowners who'd like to save money by locking in at a lower interest rate and reducing their monthly payments. Its solutions include adjustable- and fixed-rate mortgages as well as jumbo loans, which are intended for homeowners whose property value is above the guidelines set by Fannie Mae and Freddie Mac. Additionally, Technology Credit Union offers out-of-state mortgages on vacation homes. Other services include personal and business banking, auto loans, and financial management services such as IRA rollover, education funding, and stock option planning.

2010 N 1st St, San Jose, CA 95131
San Jose, CA 95131

Website(800) 553-0880

Show Number
275 Saratoga Ave Ste 220, Santa Clara, CA 95050
Santa Clara, CA 95050
  • Reverse Mortgages
  • NMLS #: 39166

The Loan Story does mortgage refinance for homeowners in and around the San Jose metro area. This company refinances a range of different loans and offers services for both fixed-rate and adjustable-rate mortgages. It has experience with many residential property types and is able to assist clients with a variety of special challenges, including low income, poor credit, lack of job history, or first-time home buyer status. The Loan Story is also known for its commercial lending expertise, and it serves investor clients and companies who own apartment buildings and commercial spaces. Its commercial services also extend into land development and construction.

275 Saratoga Ave Ste 220, Santa Clara, CA 95050
Santa Clara, CA 95050

Website(408) 366-0311

Show Number
200 North Almaden Boulevard, San Jose, CA 95110
San Jose, CA 95110
  • Reverse Mortgages

Whether clients are looking into purchasing or refinancing mortgage loans, the advisors at The Mortgage Outlet are knowledgeable in various loan options. They can assist San Jose residents with conventional, jumbo, VA, and FHA programs. They work with clients through the entire process, covering the stages of submitting applications, underwriting, processing, and closing. The Mortgage Outlet's team provides round-the-clock assistance via email and phone. Benjamin Greer, its branch manager, has been working in the industry for a decade.

200 North Almaden Boulevard, San Jose, CA 95110
San Jose, CA 95110

Website(800) 900-7878

Show Number

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.

Online Profiles:

3 (Best)

Average Review Score:

4.9 / 5 ( Best)

Total Reviews:

97 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

1100 Lincoln Avenue, Suite 251, San Jose, CA 95125
San Jose, CA 95125
  • New Construction

Todd Flesner is loan professional offering solutions to the real estate financing needs of San Jose. Flesner and his team advise homebuyers in choosing from a variety of loan programs, such as jumbo loans, fixed-rate mortgages, and FHA government loans. They provide clients with up-to-date market information, answer their mortgage questions, and guide them throughout the loan process. Flesner is affiliated with Flagstar Bank. He previously served in several local organizations, including the president of the Milpitas Rotary Club.

1100 Lincoln Avenue, Suite 251, San Jose, CA 95125
San Jose, CA 95125

Website(408) 921-0669

Show Number

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.

Online Profiles:

1 (Good)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

9 (Good)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

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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