Expertise.com

2024

Last updated:

Best Mortgage Refinance Companies in Simi Valley

Our Recommended Top 13

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Simi Valley Mortgage Refinance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

78Reviewed

52Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

3655 Alamo Street, Suite 101, Simi Valley, CA 93063
WebsiteLicense: 238158

Expertise.com Rating

Review Sources

Google
5.0 (75)
Facebook
5.0 (30)
Yelp
5.0 (21)

Why choose this provider?

Mark & Darci provides mortgage services throughout Simi Valley and the neighboring areas. It specializes in helping individuals refinance their existing mortgage loans to obtain low monthly payments and rates to achieve their financial needs and goals. Its team also serves clients who wish to purchase their first, second, or investment homes through mortgage loan programs. Mark & Darci brings more than 25 years of experience in the mortgage industry. The agency supports local organizations, including the Moorpark Chamber of Commerce.

  • Reverse Mortgages

2655 First St #220, Simi Valley, CA 93065
WebsiteLicense: 347051

Expertise.com Rating

Review Sources

Google
5.0 (118)
Yelp
5.0 (34)

Why choose this provider?

Amerifund has been providing mortgages for homebuyers and homeowners in the Simi Valley metro and the surrounding areas since 2004. The company offers flexible mortgage refinancing options to clients, depending on their financial situation and preferences, providing quotations in real-time. In addition to refinancing, it also offers options for home equity and reverse mortgage loans. The company also gives full assistance to first-time home buyers, orienting the client with different mortgage-related terminologies and application procedures.

  • Residential Mortgages
  • Commercial Loans
  • New Construction

31351 Via Colinas #205, Westlake Village, CA 91362
WebsiteLicense: 287902

Expertise.com Rating

Review Sources

Google
4.9 (27)
Facebook
5.0 (7)

Why choose this provider?

MainStreet Mortgage is a brokerage offering refinancing options for borrowers in the Simi Valley area. Its mortgage professionals assist homeowners in selecting refinancing programs for goals such as lowering monthly payments or getting cash. They advise clients regarding application costs and fees, help assess incomes and assets, and guide them in preparing relevant documents. Its president John Mallett established the firm in 1997 and is considered America's Homeownership Coach. He authored the resource material, "Buy Your First Home Today!"

  • New Construction
  • Reverse Mortgages

9400 Topanga Canyon Blvd #210, Chatsworth, CA 91311
WebsiteLicense: 1267188

Expertise.com Rating

Review Sources

Google
4.9 (192)

Why choose this provider?

Ratebeat Mortgage is an independent company that caters to families and individuals in the Simi Valley area. Its team guides clients throughout the refinancing process, helping them replace their current mortgage loans. The lender helps homeowners create strategies to lower their mortgage payments and interest rates, as well as assists them in preparing the needed documents regarding their credit scores, retirement assets and savings, and employment history. Ratebeat Mortgage processes FHA, VA, USDA, jumbo, and conventional loans.

  • New Construction

100 East Thousand Oaks Boulevard, Suite 161,, Thousand Oaks, CA 91360
WebsiteLicense: 1068686

Expertise.com Rating

Review Sources

Facebook
5.0 (19)
Google
5.0 (7)
Yelp
5.0 (3)

Why choose this provider?

Bruno Pastor is a mortgage loan officer who works with Simi Valley residents to refinance their homes. He takes on the processes involved, including debt consolidation, current rate reductions, and even financial education. He is NMLS-registered and also holds a real estate license. He also has VA, FHA, hard money, and conventional loans in his portfolio, as well as fixed-rate mortgages and ARMs. Bruno Pastor's website also includes a Secure Document Upload hub and a loan package checklist.

  • New Construction
  • Reverse Mortgages

3655 E. Thousand Oaks Blvd, Westlake Village, CA 91362
WebsiteLicense: 296950

Expertise.com Rating

Review Sources

Google
5.0 (57)

Why choose this provider?

Pacific Oaks Mortgage offers refinance loans to homeowners of Simi Valley. It has programs for clients who want lower monthly payments, get cash, or shorten their loan terms through refinancing. The company also offers conventional, jumbo, VA, and commercial loans, as well as fixed-year mortgages with 10, 15, 20, and 30-year terms. It has online tools that help its clients know how much their monthly payment would be or the highest amount they can take out on a loan.

  • Reverse Mortgages

1720 East Los Angeles Avenue, Simi Valley, CA 93065
WebsiteLicense: 1751593

Expertise.com Rating

Review Sources

Google
5.0 (7)
Yelp
5.0 (1)

Why choose this provider?

The Mortgage Gurus serves borrowers in Simi Valley and neighboring communities. It helps individuals and families who want to consider mortgage refinancing. Its team walks clients through the home loan and refinance process and helps them make the right decision for themselves and their families. Its founder, Toufiq Moosani, has spent seven years working as a default loan specialist and five years as a loan officer. His experiences equip him with the knowledge to help clients achieve their mortgage goals.

  • Reverse Mortgages

4165 E. Thousand Oaks Blvd. #350, Westlake Village, CA 91362
WebsiteLicense: 355370

Expertise.com Rating

Review Sources

Yelp
5.0 (69)
Google
5.0 (36)
Facebook
5.0 (14)

Why choose this provider?

Community First Mortgage is a family business offering refinancing solutions to homeowners in the Simi Valley area. The company's professionals assist salaried borrowers, self-employed individuals, and retirees in applying for refinancing programs. They keep clients informed of the changing mortgage market and the best rates for their needs. In addition, these specialists help clients throughout the process, from qualification and property appraisal to loan closing. Community First Mortgage has been operating since 1986 and has handled subdivision projects for Southern California builders.

  • New Construction
  • Reverse Mortgages

Simi Valley, CA
WebsiteLicense: 71355

Expertise.com Rating

Review Sources

Google
5.0 (6)

Why choose this provider?

Mortgage Concierge serves real estate investors and residential and commercial property owners in Simi Valley and its surrounding areas. The company provides several mortgage refinance options, including reverse, VA, FHA, and foreign national or visa permitted resident loans. It offers equity financing for different types of properties, such as multi-family residences, hotels, office buildings, and industrial warehouses. Founder and senior loan officer James McDonald has over 15 years of collective experience working in the finance, real estate, and banking industries.

  • New Construction

30721 Russell Ranch Road Suite 140, Westlake Village, CA 91362
WebsiteLicense: 1217882

Expertise.com Rating

Review Sources

Google
5.0 (21)
Facebook
5.0 (4)

Why choose this provider?

KNB Capital Inc. offers mortgage refinance programs to clients in Simi Valley and the surrounding areas. Its loan options include VA, FHA, interest only, adjustable-rate and fixed-rate, and reverse mortgage loans. It aims to streamline the home loan and refinance process by offering an online application option. The owner of KNB Capital, Brandon Feco, is a leader in the mortgage and real estate industry who has been helping families accomplish their homeownership goals since 2001.

  • New Construction

1555 Simi Town Center Way #640, Simi Valley, CA 93065
WebsiteLicense: 2124079

Expertise.com Rating

Review Sources

Facebook
5.0 (28)
Google
5.0 (24)

Why choose this provider?

Romeo / Echo Home Loans helps customers in Simi Valley with their home buying and mortgage refinancing needs. The company offers various home loan solutions such as FHA, USDA, jumbo, adjustable rate, and reverse mortgages. Its advisors assist clients in comparing home loans and choosing the program that will meet their needs. The business aims to help borrowers achieve their ideal home by providing prompt and customized quotes and helping them navigate the entire home loan process.

  • New Construction
  • Reverse Mortgages

11730-A Moorpark Street, Studio City, CA 91604
WebsiteLicense: 883881

Expertise.com Rating

Review Sources

Google
5.0 (107)

Why choose this provider?

Smart Mortgage & Investments caters to the mortgage refinancing needs of individuals in the Simi Valley metro and the surrounding locations. It helps find the best refinancing options for borrowers looking to reduce their interest rate and monthly payments, cash out their home equity, consolidate debt, or pay off their mortgages faster. The company also assists clients in taking out several types of mortgage loans, including FHA, VA, and fixed-rate loans, as well as adjustable-rate mortgages and reverse mortgages.

  • New Construction

2775 Tapo Street Suite 103, Simi Valley, CA 93063
WebsiteLicense: 271603

Expertise.com Rating

Review Sources

Google
5.0 (139)
Facebook
5.0 (6)

Why choose this provider?

Alameda Mortgage Corp. caters to Simi Valley homebuyers seeking refinancing solutions to adjust their current debt obligations. It assists clients facing bad credit, bankruptcy, and foreclosure concerns. Its mortgage refinancing targets to reduce rates and monthly payments, shorten terms, and get cash out from equity. The mortgage lender promotes a customer-centric approach by tailoring loan products to the specific financing needs of clients. Alameda Mortgage Corp. also offers fixed-rate, adjustable-rate, and government-backed loans for new homes and investment properties.

  • New Construction

FAQs

  • 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 advantages and disadvantages of a 15-year fixed mortgage loan rate in Simi Valley?

    The 15-year fixed Simi Valley mortgage loan rate’s advantage over the 30-year option is a lower interest with faster payment time. Its disadvantage is that monthly payments are higher. Some homeowners get the 30-year fixed mortgage loan and just make higher payments to pay off the loan after 15 years. It is a safer approach that avoids commitment to larger monthly payments.

  • Why do homeowners in Simi Valley prefer adjustable rate mortgages?

    The majority of homeowners choose Simi Valley adjustable rate mortgages (ARM) because of its lower initial payment. Afterwards, they often refinance their loan once the fixed period is over. During that time, interest rates become adjustable or variable and homeowners would then likely refinance their home into a new ARM, a fixed loan, or just sell their home outright.

  • What are some of the things Simi Valley residents can do to obtain great mortgage rates?

    Among the things that Simi Valley residents can do to obtain ideal mortgage rates is to look for a reputable mortgage firm which offers low rates and work with a loan officer that has a minimum of five to 10 years of industry experience. they should then ask lots of questions to be able to make an informed decision. Borrowers should also avoid quotes that are too good to be true and determine the total amount of fees for everything.

  • What are the benefits of having a Simi Valley mortgage in retirement?

    Having a Simi Valley mortgage in retirement is integral in the financial plan of many retirees. Its benefits include having more money in their retirement account, which means higher monthly distribution checks. A fixed monthly mortgage payment means not worrying about increasing monthly rent, which helps retirees manage their predictable budget more easily. Tax liability is also decreased since homeowners can write off real estate taxes, mortgage interest, and certain expenses such as energy-efficient expenses.

  • What are some advantages of home refinancing in Simi Valley?

    The advantages of home refinancing in Simi Valley typically boils down to getting into a better financial situation. It can initially provide lower monthly interest, though not necessarily in the long term. Interest rates and fees have to be considered in the calculation of the new mortgage. Refinancing also shortens the term of the loan so that borrowers can pay off the mortgage sooner and thus get less overall interest.

  • 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.