Best Mortgage Refinance Companies in San Jose

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.

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.

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.

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.

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.

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.

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.

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.

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.