Best Mortgage Refinance Companies in Simi Valley

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Alameda Mortgage Corp. logo
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License Verified:

License: 271603

Nationwide Multistate Licensing System and Registry

Alameda Mortgage Corp.

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

Business Description

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.

License Verified:

License: 271603

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 (128)
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
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Amerifund logo
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License: 347051

Nationwide Multistate Licensing System and Registry

Amerifund

2655 First St #220, Simi Valley, CA 93065
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  • Residential Mortgages
  • Commercial Loans
  • New Construction

Business Description

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.

License Verified:

License: 347051

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 (107)
Yelp
5.0 / 5 (38)

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.
4.0
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––
Bruno Pastor logo
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License Verified:

License: 1068686

Nationwide Multistate Licensing System and Registry

Bruno Pastor

100 East Thousand Oaks Boulevard, Suite 161,, Thousand Oaks, CA 91360
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  • New Construction
  • Reverse Mortgages

Business Description

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.

License Verified:

License: 1068686

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
Facebook
5.0 / 5 (18)
Google
5.0 / 5 (6)
Yelp
5.0 / 5 (3)

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
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Community First Mortgage logo
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License: 355370

Nationwide Multistate Licensing System and Registry

Community First Mortgage

4165 E. Thousand Oaks Blvd. #350, Westlake Village, CA 91362
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  • New Construction
  • Reverse Mortgages

Business Description

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.

License Verified:

License: 355370

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
Yelp
5.0 / 5 (70)
Google
5.0 / 5 (36)
Facebook
5.0 / 5 (14)
KNB Capital Inc logo
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License Verified:

License: 1217882

Nationwide Multistate Licensing System and Registry

KNB Capital Inc

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

Business Description

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.

License Verified:

License: 1217882

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 (20)

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
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MainStreet Mortgage logo
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License Verified:

License: 287902

Nationwide Multistate Licensing System and Registry

MainStreet Mortgage

31351 Via Colinas #205, Westlake Village, CA 91362
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  • New Construction
  • Reverse Mortgages

Business Description

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!"

License Verified:

License: 287902

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
4.8 / 5 (23)
Facebook
5.0 / 5 (9)

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
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Mark & Darci logo
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License Verified:

License: 238158

Nationwide Multistate Licensing System and Registry

Mark & Darci

3655 Alamo Street, Suite 101, Simi Valley, CA 93063
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  • Reverse Mortgages

Business Description

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.

License Verified:

License: 238158

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 (67)
Yelp
5.0 / 5 (22)
Facebook
5.0 / 5 (16)

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
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Mortgage Concierge logo
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License Verified:

License: 71355

Nationwide Multistate Licensing System and Registry

Mortgage Concierge

Simi Valley, CA
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  • New Construction

Business Description

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.

License Verified:

License: 71355

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
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Pacific Oaks Mortgage logo
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License Verified:

License: 296950

Nationwide Multistate Licensing System and Registry

Pacific Oaks Mortgage

3655 E. Thousand Oaks Blvd, Westlake Village, CA 91362
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  • Reverse Mortgages

Business Description

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.

License Verified:

License: 296950

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 (57)

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
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Detail
Ratebeat Mortgage logo
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License Verified:

License: 1267188

Nationwide Multistate Licensing System and Registry

Ratebeat Mortgage

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

Business Description

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.

License Verified:

License: 1267188

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 (184)

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
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Detail
Romeo / Echo Home Loans logo
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License Verified:

License: 2124079

Nationwide Multistate Licensing System and Registry

Romeo / Echo Home Loans

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

Business Description

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.

License Verified:

License: 2124079

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
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Smart Mortgage & Investments logo
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License Verified:

License: 883881

Nationwide Multistate Licensing System and Registry

Smart Mortgage & Investments

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

Business Description

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.

License Verified:

License: 883881

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 (106)

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
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Helpfulness
Detail
That Mortgage Mama logo
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License Verified:

License: 1939473

Nationwide Multistate Licensing System and Registry

That Mortgage Mama

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

Business Description

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.

License Verified:

License: 1939473

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 (5)
Facebook
5.0 / 5 (3)
The Mortgage Gurus logo
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License Verified:

License: 1751593

Nationwide Multistate Licensing System and Registry

The Mortgage Gurus

1720 East Los Angeles Avenue, Simi Valley, CA 93065
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  • Reverse Mortgages

Business Description

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.

License Verified:

License: 1751593

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 (7)

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
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Helpfulness
Detail
Back to Providers

Frequently Asked Questions

What should you expect when refinancing a mortgage?

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.

How often should you refinance your mortgage?

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.

Can you refinance a first mortgage and not a second?

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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