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Best Mortgage Refinance Companies in San Ramon

2024

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Providers

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

Why choose this provider?

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
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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
Facebook
5.0 / 5 (15)

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

Why choose this provider?

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 (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

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

Why choose this provider?

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
Google
5.0 / 5 (12)
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
2303 Camino Ramon Suite 160, San Ramon, CA 94583
  • Reverse Mortgages

Why choose this provider?

CNA Equity Group is a full-service brokerage catering to the refinancing objectives of the San Ramon community. It helps mortgage borrowers evaluate refinancing benefits such as securing lower monthly payments, cashing out equity, or reducing terms. In addition, its team assists borrowers in comparing different residential or commercial options, including FHA, jumbo, conventional, and non-qualitative programs. Michael Mulry established the brokerage in 2008 and was able to increase its sales volume to over $50 million in the last two years.

License Verified:

License: 357268

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)
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
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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 (85)
Facebook
4.9 / 5 (36)
Yelp
4.5 / 5 (15)

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

Why choose this provider?

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
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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.
5.0
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
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Website
2551 San Ramon Valley Blvd., San Ramon, CA 94583
  • New Construction

Why choose this provider?

New Vintage Mortgage is a mortgage company in San Ramon that offers mortgage refinancing, reverse mortgages, commercial property financing, and private and bridge loan services. Borrowers can get customized real estate loan solutions for home purchases or refinancing in a variety of investments, such as primary residences, second homes, investment properties, and commercial properties. For more than 16 years, Paul Stella, its senior mortgage consultant, has offered real estate solutions to people in the San Francisco Bay area.

License Verified:

License: 1866621

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 (23)
Facebook
5.0 / 5 (15)

Website
4695 Chabot Drive, #200, Pleasanton, CA 94588
  • Reverse Mortgages

Why choose this provider?

American Mortgage Management serves San Ramon home purchasers and residential property owners. For both refinancing and buying, the business covers a selection of property types, including manufactured homes, townhouses, condominiums, and single and multi-family residences. It also offers loan options that include reverse mortgages and home equity. For more than two decades, American Mortgage Management's president Kerry Worden has assisted over 1,000 customers and closed more than 3,000 loans amounting to over a billion dollars.

License Verified:

License: 338668

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
Facebook
5.0 / 5 (14)
Google
5.0 / 5 (3)
Yelp
5.0 / 5 (3)

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

Why choose this provider?

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
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.
  • How can you figure out how much equity you have in your San Ramon home?

    To get an approximate amount of the equity you have in your San Ramon property, you can utilize a number of internet tools or calculators. However, the best approach to determine the market worth of your house is to have an appraisal performed. Then, by deducting your current mortgage balance from the property's market value, you may determine your equity.

  • If you wanted to pay off a high-interest loan in San Ramon, should you consider a cash-out refinance?

    Yes, if you wished to finish paying off a high-interest debt, you should obtain a cash-out refinance in San Ramon. It is wise to do so because mortgage loan interest rates often run substantially lower than credit card interest rates. In addition to paying off your debt, you may utilize your cash-out refinance to make improvements to your house or to invest in real estate.

  • Do all San Ramon residents have to obtain a house appraisal in order to refinance their mortgage?

    No. Not every San Ramon homeowner must obtain a house appraisal in order to refinance their mortgage. As an illustration, if a borrower already has an FHA loan and wishes to refinance into a different FHA loan, no home appraisal will be necessary as long as all prior mortgage payments have been made on schedule.

  • Are you still required to continue making payments if your San Ramon lender goes out of business?

    Yes, you are still required to continue making payments even if your San Ramon lender falls out of operation. This is due to the fact that a lender driven into bankruptcy must sell its mortgages to other lenders. Your mortgage's terms and conditions won't change, but you'll need to transfer payments to a new loan provider.

  • Will a lender typically charge a fee to lock in your San Ramon mortgage refinance interest rate?

    No. The lender in San Ramon won't charge you a lock fee for a conventional 30 to 90-day rate lock. However, the lender can charge you a lock fee if you decide to lock the interest rate for a period longer than 90 days. After locking the interest rate during your mortgage application process, some lenders permit you float the interest rate lower for one time only.

  • 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.