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Best Mortgage Refinance Companies in Santa Rosa

2023

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Website
800 Mendocino Ave., Suite #2, Santa Rosa, CA 95401
  • New Construction

Why choose this provider?

Sun Pacific Mortgage & Real Estate accommodates clients in its Santa Rosa-based office. The firm offers home loans and mortgage refinancing options for California real estate and works with borrowers who can’t secure conventional loans and are taking a chance on private money lending. Its staff handles jumbo, stated income, bridge, investment property, commercial, and owner-occupied loans. Sun Pacific is a family-owned and family-operated business that has been serving the community for more than 30 years.

License Verified:

License: 360993

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
4.9 / 5 (47)
Facebook
5.0 / 5 (27)
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
Responsiveness
Friendliness
Helpfulness
Detail

Website
131A Stony Circle, Suite 500, Santa Rosa, CA 95401
  • Reverse Mortgages

Why choose this provider?

America's Home Loans in Santa Rosa is a mortgage brokerage that assists in securing home loans and refinancing mortgages. It was formed in July 2003 by Edward Keech, an NMLs-licensed mortgage lender and California Department of Real Estate-licensed broker. Keech and his loan officers help homeowners tap into their home's equity for renovations, purchases, and other expenses. It also helps change the terms of their existing mortgages to lower monthly payments and reduce interest rates.

License Verified:

License: 231434

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
Yelp
5.0 / 5 (36)
Google
4.8 / 5 (25)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3514 Baxter Avenue, Napa, CA 94558
  • Reverse Mortgages

Why choose this provider?

Custom Lending Group has mortgage refinancing services available for customers living in and around the Santa Rosa area. Its team is currently comprised of mortgage brokers who have been in the local industry for more than 28 years. The firm has experience handling residential and commercial lending processes. Its programs include FHA, VA, SBA, USDA, and 203K loans. Custom Lending Group is NMLS-registered and also associated with Fannie Mae and Freddie Mac. It was founded in 1986.

License Verified:

License: 845079

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 (13)
Facebook
5.0 / 5 (10)
Yelp
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
703 2nd St Suite 103, Santa Rosa, CA 95404
  • New Construction

Why choose this provider?

Steve Herndon is an American Pacific Mortgage broker who works with people in Santa Rosa and the surrounding areas. Herndon provides mortgage refinancing programs for single-family homes, multi-family units, condominiums, and townhouses. He provides programs such as cash-out refinance, debt consolidation, and home equity loans. His other areas of expertise are home purchase loans and FHA, VA, and USDA mortgages. Herndon has been working in real estate since 1977, enabling him to help clients make better financial decisions.

License Verified:

License: 222871

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)
Yelp
5.0 / 5 (3)

Website
775 Baywood Dr #308, Petaluma, CA 94954
  • Reverse Mortgages

Why choose this provider?

The Regan Team Home Loan Group is a family-owned mortgage lender accommodating clients in Santa Rosa. It offers assistance in refinancing mortgages and securing purchasing, first-time homebuyer, and FHA loans. The company is owned by mortgage planning specialists Michael and Patricia Regan, who have been helping clients find the right financial plan that aligns with their short- and long-term financial goals for the last two decades. Petaluma Argus-Courier awarded The Regan Team the 2018 and 2021 People's Choice.

License Verified:

License: 275747

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
4.9 / 5 (32)
Yelp
5.0 / 5 (21)

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
11 5th Street, Suite 203, Petaluma, CA 94952

Why choose this provider?

Wayne Wilson is a loan officer that works with buyers and investors in and around Santa Rosa. He assists families and individuals in refinancing their debts to purchase their dream homes. He works with clients to develop strategies for lowering interest rates and monthly payments. The specialist also handles a variety of traditional and federal mortgage programs, including jumbo, conventional, USDA, VA, and FHA loans. Wilson works at Supreme Lending, a full-service mortgage company founded in 1999.

License Verified:

License: 1546718

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 (31)

Website
448 Ignacio Blvd., Suite 161, Novato, CA 94949
  • Reverse Mortgages

Why choose this provider?

Alterra Mortgage provides home financing solutions to clients in Santa Rosa and nearby areas. The firm's mortgage specialists assist borrowers looking to lower their interest rates and monthly payments, alter loan terms, or withdraw cash from their homes' equity through a refinance program. They also help first-time homebuyers locate the ideal loan scheme for their particular circumstances. Alterra Mortgage is in partnership with more than 100 investors—enabling them to offer a selection of lending programs—such as jumbo, VA, commercial, and fixed and adjustable mortgages.

License Verified:

License: 1794458

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
Responsiveness
Friendliness
Helpfulness
Detail

Website
2 E St, Santa Rosa, CA 95404
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Tracey Financial Group, Inc., is a mortgage brokerage based in Santa Rosa. The firm assists residential and commercial clients seeking a mortgage refinance. It helps secure financing for VA, FHA, USDA, conventional, and jumbo loans. It also processes interest-only, balloon, graduated payment, and reverse mortgages. Additionally, the firm originates debt consolidation, construction, multi-family, and investment loans. Broker-owner Shannon Tracey brings over 20 years of real estate and mortgage lending experience. She also serves as board chair of the Humane Society of Sonoma County.

License Verified:

License: 1832613

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
Responsiveness
Friendliness
Helpfulness
Detail

Website
2001 4th St., Santa Rosa, CA 95404

Why choose this provider?

Fox & Company, Inc., serves the people residing in Santa Rosa by providing a wide range of mortgage refinancing options. It offers fixed-rate loans with uniform interest rates and adjustable-rate mortgage loans with interest rates that change periodically. The company also processes conventional loans that are not guaranteed or insured by the federal government and government-insured loans, such as VA, USDA, and FHA. The company’s staff has more than 50 years of real estate and finance experience.

License Verified:

License: 1874195

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 (68)
Facebook
5.0 / 5 (15)
Yelp
5.0 / 5 (12)

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
342 Merchant St, Vacaville, CA 95688
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Brick House Mortgage, Inc. serves Santa Rosa residents wanting to change their mortgage terms. It offers refinancing and home equity loans for single- and multi-family homes, condominiums, and townhouses. It leverages current technology to deliver individualized and convenient loan solutions. Its online platform lets clients complete loan applications and pre-qualifications, as well as go over financing options for different scenarios through its interactive calculators. Brick House Mortgage also provides home buyers with a variety of purchase loans, including fixed-rate, VA, Jumbo, and USDA.

License Verified:

License: 7978

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.
4.5
Google
4.3 / 5 (15)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
490 Chadbourne Road Ste A132, Fairfield, CA 94534
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Home Loans by Ed Esteban delivers refinancing and mortgage choices for residents of Santa Rosa. The agency has adjustable-rate options for house buyers looking for a loan period below seven years. FHA products are available for clients with imperfect credit ratings. Refinancing solutions are on hand for purchasers on their fifth or subsequent year of indebtedness and who wish to take advantage of reduced rates. Ed Esteban maintains open lines of communication with his customers, in one case taking calls during his vacation.

License Verified:

License: 310302

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
4.9 / 5 (30)
Facebook
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
16625 Guernewood Rd, Guerneville, CA 95446
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Don McGlinchy is a Guerneville-based loan officer assisting Santa Rosa residents who want to replace their current mortgage. He helps reduce rates, lower monthly payments, and leverage home equity through a refinancing program. He also offers FHA, VA, jumbo, USDA, conventional, and low down payment financing options. Don is affiliated with Cherry Creek Mortgage and has been in the industry since 1990, enabling him to witness developments in reverse mortgages and recommend practical solutions to clients.

License Verified:

License: 256571

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
4.8 / 5 (17)
Facebook
5.0 / 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
4123 Solano Ave, Napa, CA 94558
  • New Construction

Why choose this provider?

Benchmark Mortgage has been serving Santa Rosa clients since 1999. The company guides individuals through the refinancing process and works to accomplish their financial goals, like decreased interest rates and lowered program terms. It modifies various loan programs, including VA and FHA mortgages. As part of its Lifetime Loan service, the company regularly monitors market trends and conducts yearly reviews of its clients' mortgages. One of its branch managers, Hilda Hensley, has been in the industry for over 15 years. She is fluent in Spanish.

License Verified:

License: 280206

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
4.9 / 5 (31)

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
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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.

  • What are the qualifications to obtain a jumbo loan in Santa Rosa?

    In Santa Rosa, jumbo loan applicants must have a FICO credit score of at least 700 and a debt-to-income ratio of 36% or less. They must submit various documents, including W2 tax forms, information about investment accounts, 30 days of pay stubs, tax returns, credit reports, and bank statements. To obtain a jumbo loan in Santa Rosa, borrowers must also meet the VA appraisal standards.

  • How much is the FHA loan limitation in Santa Rosa?

    The FHA loan in Santa Rosa in 2023 ranges from $726,200 for low-balance loans to $861,350 for high-interest loans. Loans of more than $861,350, on the other hand, do not qualify for FHA financing and are classified as jumbo loans. FHA loans, on the other hand, can finance multi-unit residences in Santa Rosa, with a $1.1 million limit for a two-unit property, $1.3 million for a three-unit establishment, and $1.6 million for a four-unit structure.

  • Are residents of Santa Rosa eligible for a USDA mortgage loan program?

    According to the US Department of Agriculture, residents of Santa Rosa are not eligible to apply for a USDA mortgage loan program because the metro is considered an industrialized area. Santa Rosa is not a USDA-approved area because it is a center of economic activity and a source of agricultural and manufacturing products. The USDA mortgage loan program is only for people who live in rural areas and want to rent or buy a home.

  • What are the available mortgage programs of CalHFA for low-income families in Santa Rosa?

    For low-income families in Santa Rosa, the California Housing Finance Agency (CalHFA) offers a variety of mortgage options, including the FHA Zero Interest Program, VA loans, and the MyHome Assistance Program. To be considered for low-income families, applicants must have an income of no more than $253,000, make a reservation in the Mortgage Access System, and their loans must be submitted through a Fannie Mae Desktop Underwriter. These CalHFA programs are available in Santa Rosa for condominiums and manufactured homes that meet the perimeter requirements.

  • What is needed to apply for a VA loan in Santa Rosa?

    Applicants for VA loans in Santa Rosa must provide documentation of their military service history and current status. These include retirement benefit history, discharge papers, and signed statements of service. Additionally, borrowers who did not meet the stated requirements but were discharged from the military due to a medical condition or reduction in force are still eligible for a VA loan in Santa Rosa.

  • 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.

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