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Best Mortgage Refinance Companies in San Mateo

2024

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Providers

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Website
San Mateo, CA
  • Home Affordable Refinance Program
  • Cash-out Refinance
  • Refinance
  • Mortgage Refinance
  • Reverse Mortgages

Why choose this provider?

Presto Home Loans caters to clients in the San Mateo metro. The company assists homeowners seeking to refinance their mortgages to obtain lower interest rates. It has experience helping clients with Freddie Mac or Fannie Mae-guaranteed loans in qualifying for the Home Affordable Refinance Program 2.0. The company also provides mortgage programs backed by various government agencies—including the USDA, FHA, and VA—for aspiring homeowners. David Eddings, its owner, has a bachelor's degree in real estate & finance.

License Verified:

License: 1499621

Nationwide Multistate Licensing System and Registry

Reputation:

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.
4.6
Facebook
5.0 / 5 (21)
Google
4.2 / 5 (13)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Price: Free consultation

San Mateo, CA

Why choose this provider?

Need help contacting a Mortgage Refinance Company in San Mateo? Call our Concierge team at 848-Book-Pro (848-266-5776 from 6 am - 4 pm PT | Mon - Fri). They are standing by to help you get the service you need.

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Price: Free booking service | Call 848.Book.Pro!

Website
1810 Gateway Drive, Suite 115, San Mateo, CA 94404
  • Reverse Mortgages

Why choose this provider?

Sean Kameli is a San Mateo-based loan officer that works with clients across the metro. He educates homeowners on the mortgage refinancing process and assists them in lowering monthly payments, interest rates, or program terms. Kameli has worked with owners of residential properties and investment properties. He also helps clients with the mortgage application process and offers solutions such as FHA loans. Kameli collaborates with Supreme Lending, a company named on Inc. magazine's list of the fastest-growing businesses in 2021.

License Verified:

License: 633285

Nationwide Multistate Licensing System and Registry

Reputation:

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.
5.0
Yelp
5.0 / 5 (49)
Google
5.0 / 5 (30)
Facebook
5.0 / 5 (20)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1350 Old Bayshore Hwy Suite 740, Burlingame, CA 94010
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Joanne Shen works with clients across the San Mateo metro. She advises homeowners through the process of refinancing their mortgages. Shen offers online tools like the refinance break-even point calculator, which helps her clients visualize the impact of their decision to refinance. She also deals with homebuyers and provides a range of mortgage programs, from fixed-rate loans to adjustable-rate programs. Shen is a member of the Silicon Valley Association of Realtors. She holds a bachelor's degree in Finance.

License Verified:

License: 286946

Nationwide Multistate Licensing System and Registry

Reputation:

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.
4.9
Google
4.9 / 5 (48)
Yelp
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
220 Baldwin Ave, San Mateo, CA 94401
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Bay Financial Company helps clients choose from mortgage refinancing options in San Mateo. It works with multiple lenders to provide a selection of loan programs, including FHA and VA. It offers fixed-rate and adjustable-rate loans with terms ranging from 10 to 30 years. In addition, it helps borrowers maximize their monthly income by refinancing to lower rates or longer-term mortgages. Its website features a refinance calculator to empower clients in making informed financial decisions.

License Verified:

License: 2350769

Nationwide Multistate Licensing System and Registry

Reputation:

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.
5.0
Yelp
5.0 / 5 (3)
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1010 S. El Camino Real Suite A, San Mateo, CA 94402
  • Reverse Mortgages

Why choose this provider?

Allwin Capital is a mortgage firm serving clients in and around San Mateo. It caters to homeowners seeking to maximize their monthly savings by applying for a refinance mortgage, which enables them to modify loan terms and lower monthly payments. Loan products for first-time homebuyers, investors, and foreign nationals are also available. The firm helps borrowers structure their loans to match their financial needs. Some of its consultants are multilingual and provide assistance in different Asian languages, like Tagalog, Cantonese, and Mandarin.

License Verified:

License: 349997

Nationwide Multistate Licensing System and Registry

Reputation:

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.
5.0
Yelp
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
200 Park Road, Burlingame, CA 94010
  • Multi-Family Loans
  • Commercial Loans

Why choose this provider?

Phil Caulfield is a loan officer who deploys refinancing strategies in the San Mateo metro and nearby areas. He assists homeowners in securing refinancing to replace existing mortgages through options such as HELOC programs and conforming or jumbo loans. Backed by the resources of Guarantee Mortage, he provides loan solutions for foreign nationals, self-employed borrowers, and clients whose mortgage was turned down by another lender. In addition, Caulfield serves irregular-income individuals like artists, consultants, and freelancers.

License Verified:

License: 386911

Nationwide Multistate Licensing System and Registry

Reputation:

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.
5.0

Website
303 Vintage Park Drive, Suite 120, Foster City, CA 94404
  • New Construction

Why choose this provider?

United Money Center is a full-service brokerage that offers different kinds of lending plans to San Mateo-based individuals and families. Its residential refinancing options help prospective clients manage their interest rates and improve their designated monthly payments with adjustable term durations that fit their income capabilities. Its team provides programs from a variety of lenders, including Homepoint Financial, Caliber Home Loans, and Stearns Lending. It has closed numerous loans worth more than $600 million since the firm's start in 1996.

License Verified:

License: 385276

Nationwide Multistate Licensing System and Registry

Website
235 E. Third Avenue, San Mateo, CA 94401
  • Reverse Mortgages

Why choose this provider?

Mortgage Services offers refinancing loan products for clients residing in San Mateo. The company commits to putting its clients first through the application of its residential lending industry expertise. It offers loan programs home purchase, refinancing, or specialized needs. Some of the loans that it provides include conventional, challenged credit, high debt ratio, construction, second mortgage, and investor loans. Its Jumbo loan offerings include fixed rate and competitive ARM mortgage. Mortgage Services is an equal housing opportunity lender.

License Verified:

License: 236217

Nationwide Multistate Licensing System and Registry

Reputation:

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.
5.0
Yelp
5.0 / 5 (3)
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2555 Flores St #100, San Mateo, CA 94403
  • Commercial Loans
  • New Construction

Why choose this provider?

Ascend Mortgage has been addressing loan applications and financial inquiries from prospective refinancers in San Mateo since 2005. Its team works with a diverse roster of local lenders to help applicants compare a variety of refinancing programs with rates and terms that meet their needs. It assists clients in obtaining and maximizing potential cash-outs to cover their goals, such as debt consolidation and home improvements. It also tailors its advice to local economic factors such as marketing trends and interest rate differences.

License Verified:

License: 238056

Nationwide Multistate Licensing System and Registry

Reputation:

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.
5.0
Yelp
5.0 / 5 (24)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    Refinancing a mortgage can be a complicated process, and hiring a mortgage refinancing broker can make it simpler and faster. There are several things you can do to protect your interests and help your broker complete the process for you.

    Check a potential broker’s online reviews to find one with a good reputation. In addition to the opinions of past clients, check to see if a broker has an online portfolio, which can support the reviews you find from past clients to show a broker’s trustworthiness. This can also help you establish if a broker has handled financing for properties similar to yours.

    Get a written summary of a broker’s rates before committing so you know exactly what hiring your chosen mortgage refinance broker will cost. Find out which lenders work with your broker and what information they need to successfully refinance your mortgage.
  • Can unemployed individuals refinance their mortgages in San Mateo?

    Yes. Unemployed individuals can refinance their mortgages in San Mateo through Home Affordable Unemployment Program. This loan program allows unemployed people to suspend their payments for 12 months or more. To be eligible for this program, borrowers should occupy their house as their primary residence and have their mortgage on or before January 1, 2009.

  • When should you not refinance in San Mateo?

    You should not refinance in San Mateo if the costs associated with the refinance are too high. You may not pursue refinancing if you cannot settle the mortgage transaction expenses, such as title insurance, credit report, lender, and appraisal fees. In addition, you should not consider refinancing if you are moving too soon, close to paying off your mortgage, and in the middle of remodeling your property.

  • Who are eligible for a FHA 203(k) loan in San Mateo?

    FHA 203(k) loans in San Mateo are designed for individuals looking for refinancing or buying a primary home, not vacation homes and investment properties. Borrowers must have a debt-to-income ratio of less than 43% and pay 3.5% of the home price plus the total project cost. They should also have at least 620 or higher credit scores.

  • How does refinancing affect your tax situation in San Mateo?

    In San Mateo, if you have a lower interest rate on your home loan, lesser interest will be deducted from your income tax return. It may also increase your tax payments and reduce the total savings you can get from a new lower-interest mortgage. If you use the fund for home improvement, you can deduct the points from the loan.

  • How can you get the best deal when refinancing a mortgage in San Mateo?

    When refinancing a mortgage in San Mateo, you can get the best deal by shopping around. You may inquire about various lending institutions and learn their interest rates and the fees they charge. You can get their annual percentage rate and compare them to determine the total credit costs of refinancing.

  • How do you refinance a mortgage?

    Decide why you’re refinancing, such as to get a lower interest rate, pay off your loan faster, or to get a lower monthly payment. Share your credit information with your broker along with information about the equity you have in your home. Review your mortgage refinance broker’s quotes and choose the best loan terms.