Best Mortgage Refinance Companies in Simi Valley

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Alameda Mortgage Corp. logo

Alameda Mortgage Corp.

2775 Tapo Street Suite 103, Simi Valley, CA 93063
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  • New Construction

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.

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KNB Capital Inc logo

KNB Capital Inc

30721 Russell Ranch Road Suite 140, Westlake Village, CA 91362
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  • New Construction

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.

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Mark & Darci logo

Mark & Darci

4353 Park Terrace Drive, #100, Westlake Village, CA 91361
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  • Reverse Mortgages

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.

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Mortgage Concierge logo

Mortgage Concierge

Simi Valley, CA
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  • New Construction

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.

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Ratebeat Mortgage logo

Ratebeat Mortgage

9400 Topanga Canyon Blvd #210, Chatsworth, CA 91311
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  • New Construction

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.

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Romeo / Echo Home Loans logo

Romeo / Echo Home Loans

1555 Simi Town Center Way #640, Simi Valley, CA 93065
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  • New Construction
  • Reverse Mortgages

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.

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Smart Mortgage & Investments logo

Smart Mortgage & Investments

11730-A Moorpark Street, Studio City, CA 91604
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  • New Construction

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.

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That Mortgage Mama logo

That Mortgage Mama

2829 Townsgate Rd Suite 100, Westlake Village, CA 91361
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  • New Construction

That Mortgage Mama helps individuals find home loan options in the Simi Valley area. The firm offers mortgage refinancing programs, such as jumbo, VA, FHA, ITIN, USDA, and conventional loans. Additionally, it has loans for self-employed individuals and real estate investors. It provides non-QM and debt service coverage ratio loans. Cassandra Moreno, a senior mortgage loan originator at Groves Capital, has over 10 years of industry experience. She is also fluent in the Spanish language.

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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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