Best Mortgage Refinance Companies in Santa Rosa

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Alterra Mortgage logo

Alterra Mortgage

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

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.

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Benchmark Mortgage logo

Benchmark Mortgage

4123 Solano Ave, Napa, CA 94558
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  • New Construction

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.

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Brick House Mortgage, Inc logo

Brick House Mortgage, Inc

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

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.

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Don McGlinchy logo

Don McGlinchy

16625 Guernewood Rd, Guerneville, CA 95446
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  • New Construction
  • Reverse Mortgages

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.

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Mortgage Masters of California logo

Mortgage Masters of California

338 Cernon Street, Vacaville, CA 95688
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  • Reverse Mortgages

Mortgage Masters of California caters to families, individuals, and investors in Santa Rosa and its nearby areas. Its agents help buyers refinance their residential properties through its variety of mortgage solutions. They assist clients in creating strategies to reduce their interest rates and monthly payments. The company also guides them in filing refinance analysis requests and comparing mortgage interest rates and terms. It offers different mortgage programs and processes jumbo or super jumbo, fixed-rate, and conforming loans.

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Regan Team logo

Regan Team

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

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.

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Steve Herndon logo

Steve Herndon

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

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.

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Sun Pacific Mortgage & Real Estate logo

Sun Pacific Mortgage & Real Estate

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

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.

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Wayne Wilson logo

Wayne Wilson

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

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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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