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Best Mortgage Refinance Companies in Santa Clara

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Direct Mortgage Funding logo

Direct Mortgage Funding

3190 South Bascom Ave., Suite 100, San Jose, CA 95124
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  • New Construction

Direct Mortgage Funding caters to individuals, families, and investors in Santa Clara. It provides refinancing solutions to homebuyers who want to purchase various types of investment properties. The agency helps clients estimate their first and second mortgage balances to create customized cash-out and fixed or adjustable refinancing strategies. Its team also offers VA loan services, including veteran borrower counseling and assistance. The company's senior residential mortgage planner, Michele Morse Reen, has been a home loan consultant for over 30 years.

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InstaMortgage logo

InstaMortgage

1245 S Winchester Blvd., San Jose, CA 95128
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  • Reverse Mortgages

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. Shekhar has been featured in The Washington Post, Yahoo Finance, and HuffPost.

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InterFirst Lending logo

InterFirst Lending

1525 McCarthy Boulevard, 1140, Milpitas, CA 95035
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  • New Construction

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.

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Mega Loans logo

Mega Loans

2195 Tully Road, San Jose, CA 95122
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  • Reverse Mortgages

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.

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SnapFi logo

SnapFi

1155 Meridian Avenue, San Jose, CA 95125
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  • Reverse Mortgages

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.

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Frequently Asked Questions

Q: What should you expect when refinancing a mortgage?

A: 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.

Q: How often should you refinance your mortgage?

A: 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.

Q: Can you refinance a first mortgage and not a second?

A: 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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