Best Mortgage Refinance Companies in Santa Rosa

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.