Best Mortgage Refinance Companies in San Mateo

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Allwin Capital logo
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License Verified:

License: 349997

Nationwide Multistate Licensing System and Registry

Allwin Capital

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

Business Description

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
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Ascend Mortgage logo
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License Verified:

License: 238056

Nationwide Multistate Licensing System and Registry

Ascend Mortgage

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

Business Description

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
Bay Financial Company logo
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License Verified:

License: 2350769

Nationwide Multistate Licensing System and Registry

Bay Financial Company

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

Business Description

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
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
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Detail
Joanne Shen logo
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License Verified:

License: 286946

Nationwide Multistate Licensing System and Registry

Joanne Shen

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

Business Description

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.
5.0
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
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Mortgage Services logo
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License Verified:

License: 236217

Nationwide Multistate Licensing System and Registry

Mortgage Services

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

Business Description

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
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
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Phil Caulfield logo
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License Verified:

License: 386911

Nationwide Multistate Licensing System and Registry

Phil Caulfield

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

Business Description

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
Sean Kameli logo
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License Verified:

License: 633285

Nationwide Multistate Licensing System and Registry

Sean Kameli

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

Business Description

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
Google
5.0 / 5 (30)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Simons & Company logo
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License Verified:

License: 242702

Nationwide Multistate Licensing System and Registry

Simons & Company

177 Bovet Road Suite 600, San Mateo, CA 94402
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  • New Construction

Business Description

Simons & Company caters to the mortgage needs of homeowners throughout San Mateo. The firm educates and guides clients in choosing the best loan program tailored to meet their needs and capabilities. It offers an assortment of refinancing, cash-out, and purchase loan plans, including conforming and jumbo options. It also handles fixed- and adjustable-rate mortgages with repayment periods of 15 to 30 years. Founder John B. Simons has over five decades of experience as a real estate and financial consultant. 

License Verified:

License: 242702

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 (7)

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
United Money Center logo
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License Verified:

License: 385276

Nationwide Multistate Licensing System and Registry

United Money Center

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

Business Description

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

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Frequently Asked Questions

What should you expect when refinancing a mortgage?

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.

How often should you refinance your mortgage?

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.

Can you refinance a first mortgage and not a second?

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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