Best Mortgage Refinance Companies in Santa Clara

C2 Financial Corporation serves individuals, families, and businesses in the Santa Clara area. It assists clients with its streamlined refinancing process, which may help them lower their existing mortgage payments, cash out for repairs and upgrades, lower their interest rate, and shorten the duration of their loan for speedier repayment. It also offers various loan options such as FHA, VA, conventional, jumbo, adjustable-rate, and fixed-rate mortgages. C2 Financial Corporation is a member of the Association of Independent Mortgage Experts.

Eric Garnicki helps individuals and families in Santa Clara reach their homeownership goals. He primarily works with first-time homebuyers, CPAs, and self-employed clients who want to refinance or buy a home. Eric serves as a senior mortgage advisor in C2 Financial Corporation, a company that offers loan options for veterans and customers looking to renovate their homes. The firm also assists senior homeowners ages 62 and older in using their home equity to pay off taxes and health insurance.

Franny Yen is a mortgage professional who strives to meet the diverse goals of the Santa Clara community. Yen and her team help homeowners save money through refinancing programs and aid them in navigating the application procedure, from assessment to loan closing. They create specialty refinancing solutions for niche clients with low credit scores or not enough credit histories and those who are high-income earners. Yen has been in the industry since 1997 and also serves foreign nationals.

Googain is a full-service banker and broker catering to the refinancing needs of the Santa Clara area. To assist loan borrowers in the refinancing process, the company leverages online technology such as mortgage tools, rate generators, and an application portal. Its loan officers guide clients in accomplishing refinancing transactions, starting from application and escrow to document signing. Googain was established in 2004 and is a Freddie Mac, Fannie Mae, and CalHFA seller. It is the winner of ICE Mortgage Technology's 2022 Innovation Award.

Guidance Residential in Santa Clara is a mortgage brokerage and Islamic home financier providing clients with home loans and refinancing options. It is headed by Munther Qtaish, vice president and regional manager for California, Oregon, and Washington. Qtaish is an expert in Shariah-compliant refinancing options such as cash-out refinancing, home affordable refinancing program (HARP), conforming, and conforming jumbo loans. Guidance Residential offers the option to switch from riba mortgages (interest-based) to a riba-free Declining Balance Co-ownership Program.

InstaMortgage provides services to clients in the Santa Clara metro and the surrounding areas. It helps individuals apply for refinance plans to reduce their mortgage loan terms, obtain cash-out, eliminate insurance premiums, and lower rates. It also assists clients in purchasing their first homes using mortgage loan programs. The agency's founder, Shashank Shekhar, authored First Time Home Buying 101 and Real Estate Unleashed and is the host of the "Shashank Redemption" podcast where he talks about entrepreneurship, startups, and FinTech. Shekhar has been featured in The Washington Post, Yahoo Finance, and HuffPost.

InterFirst Lending is an independent mortgage company that serves residential customers in Santa Clara. It assists clients in lowering rates and monthly payments with refinancing solutions. Its loan options include fixed-rate, ARM, and jumbo loans of up to $3 million. It works with first-time homebuyers and seasoned real estate investors. InterFirst Lending owner Abi Said has an extensive background in finance and strives to revamp the mortgage process with a digital model for expedited applications and customer transparency.

Kal Financial delivers refinancing and mortgage solutions to real estate buyers in Santa Clara. The team works on the pre-qualification and pre-approval concerns of property purchasers. Its products include fixed and adjustable-rate mortgages with terms ranging from one year to three decades. Refinancing is also available for overburdened debtors. Kal Financial is led by managing director and advisor David Lawver, who hosts the Silicon Valley Real Estate Hour on KLIV1590 and NBC News Radio.

Loans by Irene is a woman-owned firm that provides homeowners in Sta. Clara with various loan options. It assists single-family, condo, and townhouse owners in lowering their monthly payments, obtaining shorter terms, or getting cash from equity through refinancing loans. Owner and loan originator Irene Moustakas has been in the industry since 2001 and is a certified military housing specialist. Her other loan products include conforming, FHA, VA, business entity, and jumbo loans. In addition, she assists first-time buyers in getting pre-approved.

Mega Loans serves the locals of the Santa Clara metro and the surrounding communities. It offers mortgage refinancing and negotiates on behalf of clients to have better rates. They are provided with customized and real-time rate quotes and are immediately notified of market rate movements. Mega Loans has served more than 27,000 clients and runs 14 branches nationwide. It works in partnership with 39 lenders, including Planet Home Lending, Loan Stream Mortgage, Provident Funding, and Flagstar Bank.

O2 Mortgage provides refinancing services in Santa Clara. The business started as a small residential finance company and has now grown to a full-scale mortgage company. Its staff offers a variety of refinancing loans and purchase loans. The agents personally cater to clients by keeping in touch throughout the application process. O2 Mortgage gives back to the community by supporting programs for the Pacific Autism Center for Education, Audacity Performing Arts, and American Pacific Mortgage, giving a portion of the commission earned from every purchase transaction.

PRMG San Jose delivers mortgage and refinancing options to clients situated in Santa Clara. It is a direct lender that delivers Freddie Mac and Fannie Mae programs to real estate buyers and renovators. The agency issues products backed by the government and fit for members of the national defense establishment and investors looking into agricultural assets. PRMG runs its own non-profit organization, PRMG Cares, and the latter supports healthcare and veterans' welfare charities locally and nationwide.

For more than two decades, SnapFi has been catering to clients in Santa Clara seeking to purchase, mortgage, or refinance a residential property. Its refinance program helps customers obtain lower rates, cash in or out of loans, leverage equity for renovation, and pay down debts. The company's mortgage advisers work on simplifying the home financing process and guide clients from beginning to end. SnapFi offers a fully online and digital experience, with human interaction available when needed.