Best Mortgage Refinance Companies in San Ramon

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Clay Selland logo
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License Verified:

License: 183492

Nationwide Multistate Licensing System and Registry

Clay Selland

2500 Old Crow Canyon Road, Ste. 410, San Ramon, CA 94583
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  • Multi-Family Loans

Business Description

Clay Selland caters to existing homeowners in San Ramon and the surrounding areas who want to consider mortgage refinancing. He has been the president of Signet Mortgage Company since 2003. He assists clients in structuring their new financing to obtain the best possible deal. He also helps seniors who are looking for reverse mortgages, real estate investors, and first-time homebuyers. Clay started in the corporate world in 1978 as a CPA for Arthur Andersen & Co.

License Verified:

License: 183492

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
5.0 / 5 (82)
Facebook
4.9 / 5 (37)
Yelp
4.5 / 5 (14)

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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Clay Selland

Depac Parthi logo
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License Verified:

License: 350304

Nationwide Multistate Licensing System and Registry

Depac Parthi

6101 Bollinger Canyon Road | Ste 344, San Ramon, CA 94583
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  • Reverse Mortgages

Business Description

Depac Parthi caters to clients across San Ramon. He advises homeowners aiming to refinance their mortgages. He offers a cash-out refinance program that allows borrowers to finance home renovation projects. Parthi's website provides online calculators that help them recalculate their payment obligations and visualize its long-term impact. He also assists aspiring homeowners and educates them on their mortgage options like USDA, FHA, and VA loans. Parthi has been in the industry for more than two decades.

License Verified:

License: 350304

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

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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Depac Parthi

Freedomstar Financial, Inc. logo
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License: 1439059

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Freedomstar Financial, Inc.

111 Deerwood Drive, Ste 200, San Ramon, CA 94583
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  • New Construction
  • Reverse Mortgages

Business Description

Freedomstar Financial, Inc. is an independent mortgage brokerage that caters to home buyers, investors, and homeowners in San Ramon. It assists them with various loan programs from more than 50 wholesale lenders. The firm's loan programs include conventional and reverse mortgages. It also handles government loans such as VA, HUD, and FHA, with a focus on veterans. Through the VA loan program, home buyers can get a loan with no down payment and private mortgage insurance.

License Verified:

License: 1439059

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 (38)
Yelp
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
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Freedomstar Financial, Inc.

Iron Oak Home Loans, Inc. logo
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License Verified:

License: 356760

Nationwide Multistate Licensing System and Registry

Iron Oak Home Loans, Inc.

4000 Executive Pkwy, San Ramon, CA 94583
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  • New Construction

Business Description

Iron Oak Home Loans, Inc. caters to the mortgage refinancing needs of clients in San Ramon. It offers residential loans for individuals who plan to purchase single-family homes, multiple units, and apartment buildings. Additionally, it provides options to purchase flip properties with outside subordinate financing or no down payment. Its client base also includes LLCs and corporations. The firm was established in 1999 comprising two principal members with over 60 years of collective management experience in conventional and portfolio mortgage lending and servicing.

License Verified:

License: 356760

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.
3.8
Yelp
4.0 / 5 (5)
Google
4.0 / 5 (4)
Facebook
3.0 / 5 (2)

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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Iron Oak Home Loans, Inc.

Quality Choice Funding logo
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License Verified:

License: 352844

Nationwide Multistate Licensing System and Registry

Quality Choice Funding

2675 Twin Creeks Dr, San Ramon, CA 94583
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  • Commercial Loans

Business Description

Quality Choice Funding helps homeowners with their finances through various refinancing solutions. With the use of an online analysis tool, it presents clients with different rates and options so they may pick the best program for their goals, whether for debt restructuring or getting money from equity. The company also offers FHA, VA, jumbo, and reverse mortgages, as well as 15- and 30-year fixed-rate loans. Dave, a Quality Choice Funding loan officer, has assisted borrowers for over 20 years.

License Verified:

License: 352844

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

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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Quality Choice Funding

Rei Maks logo
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License Verified:

License: 765098

Nationwide Multistate Licensing System and Registry

Rei Maks

2551 San Ramon Valley Blvd. Suite 217, San Ramon, CA 94583
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  • New Construction

Business Description

Rei Maks is a mortgage broker with more than 23 years of experience in the lending industry. Rei helps people across San Ramon achieve their financial goals, like refinancing their current loan programs to utilize their home's equity or lower their monthly payments. He also helps them consolidate debts and reduce interest rates using refinancing solutions. Rei guides individuals in choosing loan options with fixed or adjustable rates. He is a certified veteran loan specialist.

License Verified:

License: 765098

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

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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Rei Maks

Roy Elahi logo
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License Verified:

License: 251866

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Roy Elahi

2600 Old Crow Canyon Rd, San Ramon, CA 94583
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  • Reverse Mortgages

Business Description

Roy Elahi handles the mortgage needs of homeowners and home buyers across San Ramon and the surrounding cities. He helps clients lower their current loan rates or take cash from their home's equity by offering mortgage refinancing services. He also serves individuals and families wishing to apply for loans to purchase investment, vacation, and primary homes that suit their budget and needs. Roy initially handled commercial real estate brokerage before pursuing the mortgage lending industry in 1987.

License Verified:

License: 251866

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 (25)

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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Roy Elahi

Stonecastle Mortgage logo
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License Verified:

License: 280803

Nationwide Multistate Licensing System and Registry

Stonecastle Mortgage

380 Diablo Road Suite 201, Danville, CA 94526
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  • Reverse Mortgages

Business Description

Stonecastle Mortgage is a team of home loan officers serving the San Ramon area and neighboring locations. They are committed to helping customers shorten the terms of their mortgages or lower their monthly mortgage payments and interest rates through mortgage refinancing. They help clients meet their financial needs by working with them one-on-one and offering them information on mortgage refinancing options. Stonecastle Mortgage's loan programs include fixed-rate, FHA, VA, USDA, jumbo, and first-time home loans.

License Verified:

License: 280803

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 (18)
Facebook
5.0 / 5 (8)

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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Stonecastle Mortgage

Sullivan Group logo
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License Verified:

License: 237837

Nationwide Multistate Licensing System and Registry

Sullivan Group

2855 Mitchell Drive, Suite 235, Walnut Creek, CA 94598
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  • New Construction
  • Reverse Mortgages

Business Description

Sullivan Group provides mortgage refinancing services for homeowners in San Ramon. As part of CrossCountry Mortgage, Sullivan Group helps borrowers refinance their mortgages with new loans that carry more favorable terms, such as reduced interest rates and shorter repayment terms. Clients can choose from several refinance options, including VA interest rate reduction, FHA 203(k), and conventional loans. Casey Sullivan, a mortgage consultant at Sullivan Group, has been helping clients with their financing needs for over two decades.

License Verified:

License: 237837

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.
4.8
Google
5.0 / 5 (65)
Facebook
5.0 / 5 (6)

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
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––
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Sullivan Group

Teri Banholzer logo
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License: 240179

Nationwide Multistate Licensing System and Registry

Teri Banholzer

4234 Hacienda Dr. Ste 110, Pleasanton, CA 94566
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  • Reverse Mortgages

Business Description

Teri Banholzer offers personalized financing solutions to San Ramon residents. The senior mortgage advisor assists borrowers seeking to change their mortgage terms, reduce interest rates and monthly payments, or cash out from their homes’ equity through refinancing. She provides options based on clients’ unique criteria and scenarios to fit their needs. Whether first-time homebuyers or seasoned investors, she helps customers obtain loan programs, such as ARM, conforming, FHA, jumbo, USDA, and VA options. Banholzer is affiliated with United Lending Partners, Inc.

License Verified:

License: 240179

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 (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
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Teri Banholzer

Venstar Financial logo
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License Verified:

License: 269622

Nationwide Multistate Licensing System and Registry

Venstar Financial

2603 Camino Ramon Suite 431, San Ramon, CA 94583
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  • New Construction

Business Description

Venstar Financial is a San Ramon-based company that caters to various kinds of borrowers in the metro, such as those that need to provide full or no documents, investors, and multi-family borrowers. It helps them refinance their homes to save on monthly payments, get cash out, or shorten their existing mortgage terms. Venstar Financial works with over a hundred investors and offers various loan programs, including conventional, commercial, jumbo, FHA, VA, and home equity lines.

License Verified:

License: 269622

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
4.5 / 5 (11)
Google
5.0 / 5 (5)

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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Helpfulness
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Venstar Financial

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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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