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Best Mortgage Refinance Companies in Stockton

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5713 North Pershing Avenue, Stockton, CA 95207
Stockton, CA 95207
Instagram
  • New Construction
  • Multi-Family Loans

Central Valley Mortgage Group is a mortgage refinance company that provides services to clients in Stockton and its surrounding areas. The business guides individuals in choosing the right mortgage loans with the best interest rates. Its team is well-versed in handling various types of loans such as USDA, FHA, VA, and 15-year or 30-year fixed mortgage. This full-service firm offers helpful tools on the company's website for comparative purposes including the refinance rate checker and home purchase qualifier.

5713 North Pershing Avenue, Stockton, CA 95207
Stockton, CA 95207

InstagramWebsite(209) 800-7906

Show Number

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.

Online Profiles:

3 (Best)

Average Review Score:

4.9 / 5 ( Best)

Total Reviews:

90 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: --

165 N Maple Ave #60, Manteca, CA 95336
Manteca, CA 95336
  • Multi-Family Loans

Elite Financial Lending caters to clients in the Stockton area. Its team serves property owners who want to get lower interest rates and smaller monthly payments by refinancing their mortgages. It also consolidates multiple property loans for easier repayments. In addition, the firm helps buyers in securing a new conventional or FHA mortgage, as well as clients who are at least 62 years old obtain reverse mortgages. Elite Financial Lending has more than 30 years of industry experience.

165 N Maple Ave #60, Manteca, CA 95336
Manteca, CA 95336

Website(209) 679-9966

Show Number

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.

Online Profiles:

2 (Better)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

6 (Good)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

200 Sand Creek Rd,Suite-F ,, Brentwood, CA 94513
Brentwood, CA 94513

Fremont Bank provides mortgage refinancing to homeowners in the Stockton area. The company refinances adjustable and fixed-rate mortgages for clients seeking to reduce the term of their loan or access their home's equity. For single-family homes, vacation homes, and investment properties, it offers the Smart Rate Refinance program, which secures the lowest interest rates the bank has available. Additionally, Fremont Bank provides refinancing on home equity lines of credit. The company also services new construction home loans.

200 Sand Creek Rd,Suite-F ,, Brentwood, CA 94513
Brentwood, CA 94513

Website(800) 359-2265

Show Number
3031 W. March Lane, Stockton, CA 95219
Stockton, CA 95219
  • New Construction

GEM Mortgage serves clients in Stockton and the surrounding areas. The full-service firm offers mortgage refinancing options to customers who want to lower their monthly mortgage payments and interest rates. Its mortgage specialists offers assistance to clients who own single-family residences, multi-family units, townhouses, condos, and high-rise residential properties. The team also offers standard mortgage loans such as fixed-rate, ARM, FHA, conventional, VA, and jumbo. The company has been in the mortgage industry for 30 years.

3031 W. March Lane, Stockton, CA 95219
Stockton, CA 95219

Website(209) 955-2200

Show Number

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.

Online Profiles:

1 (Good)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

31 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

1919 Grand Canal Blvd A6, Stockton, CA 95207
Stockton, CA 95207
  • New Construction

Established in 2006, Home Ownership Made Easy serves property investors, sellers, and buyers throughout the Stockton area. The firm offers various first-time homebuyer options, such as down payment assistance, FHA, and conventional financing. It provides other lending products, including reverse mortgage, jumbo, VA, USDA, and investment property loans. Mortgage broker Don Burns is also a loan officer who has been working in the industry since 2000. He performs mortgage analysis, loan advice, and credit counseling. Home Ownership Made Easy handles 24/7 underwriting services.

1919 Grand Canal Blvd A6, Stockton, CA 95207
Stockton, CA 95207

Website(209) 477-0262

Show Number

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.

Online Profiles:

3 (Best)

Average Review Score:

4.4 / 5 ( Best)

Total Reviews:

24 (Better)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: --

1759 Cherokee Rd, Stockton, CA 95205
Stockton, CA 95205
  • New Construction

Investment Mortgage is a company that caters to property seekers and owners in Stockton. It offers mortgage refinancing which covers different types of real estate, including townhouses, manufactured homes, and condominiums, as well as single- or multi-family buildings. The company's loan officers deal with a variety of mortgage loan programs, such as VA Loan for military veterans, USDA Loan for homeowners living in suburban or rural areas, and Jumbo Loan for owners of properties with a loan of over $540,000.

1759 Cherokee Rd, Stockton, CA 95205
Stockton, CA 95205

Website(209) 473-2191

Show Number

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.

Online Profiles:

2 (Better)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

12 (Better)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

3507 Tully Road, Ste 20, Modesto, CA 95356
Modesto, CA 95356
Instagram
  • New Construction

Joshua Dobson is a mortgage refinancing professional that serves clients in the Stockton metro and its neighboring communities. His team has more than 48 years of combined experience in assisting clients throughout any home refinancing process, from comparing mortgage interest rates to selecting new loan types. He also provides other loan options, such as USDA, VA, 203K, and FHA loans. Joshua is currently affiliated with Change Home Mortgage, a CDFI-certified company working with Freddie Mac, Fannie Mae, and Ginnie Mae.

3507 Tully Road, Ste 20, Modesto, CA 95356
Modesto, CA 95356

InstagramWebsite(209) 988-9284

Show Number

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.

Online Profiles:

1 (Good)

Average Review Score:

4.5 / 5 ( Best)

Total Reviews:

12 (Better)

Score Consistency:

Consistent (Best)

5250 Claremont Ave, Suite 251, Stockton, CA 95207
Stockton, CA 95207
  • Multi-Family Loans

Majestic Mortgage Services, Inc. works with clients in the Stockton area. The company helps property owners with refinancing their loans for smaller monthly payments and lower interest rates. It also assists in consolidating multiple mortgages for people who are reorganizing their finances. First-time and veteran buyers are accommodated to get pre-approval for new conventional, jumbo, FHA, or VA loans. In addition, Majestic Mortgage Services offers adjustable-rate mortgages where interest rates are recalculated annually, depending on market values.

5250 Claremont Ave, Suite 251, Stockton, CA 95207
Stockton, CA 95207

Website(209) 473-3947

Show Number

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.

Online Profiles:

2 (Better)

Average Review Score:

4 / 5 ( Best)

Total Reviews:

4 (Good)

Score Consistency:

Consistent (Best)

5713 N. Pershing Ave Ste C3, Stockton, CA 95207
Stockton, CA 95207
  • Multi-Family Loans

Mark Kinder works with Canopy Mortgage in the Stockton metro to assist clients who are looking to buy a home or refinance a mortgage. He and his team help clients find the right mortgage program and qualify for low mortgage rates. He works with various kinds of buyers, from first-time home buyers to move-up, second-home, and investment buyers. Kinder also helps homeowners save money with reduced interest rates or be able to take out some cash for different reasons.

5713 N. Pershing Ave Ste C3, Stockton, CA 95207
Stockton, CA 95207

Website(209) 470-6698

Show Number

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.

Online Profiles:

2 (Better)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

43 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

2111 West March Lane, Stockton, CA 95207
Stockton, CA 95207
  • Reverse Mortgages

Mission San Jose Mortgage Inc. is a mortgage refinancing company serving clients in the Stockton area. It offers conventional loan programs such as conforming, home path, and agency jumbo loans, in addition to USDA, FHA, and VA loans in its government home loans programs. The company provides personalized services by working around client schedules and addresses questions and concerns thoroughly and professionally. Its founder Omar Khamisa has overseen multiple mortgage loan transactions since 2001.

2111 West March Lane, Stockton, CA 95207
Stockton, CA 95207

Website(209) 651-2000

Show Number

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.

Online Profiles:

1 (Good)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

21 (Better)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

1501 Discovery Bay Boulevard, Discovery Bay, CA 94505
Discovery Bay, CA 94505
  • Reverse Mortgages

Mortgage Market Inc. is a mortgage refinance company that services homeowners in the Stockton area. The firm refinances adjustable-rate, fixed-rate, and initial-fixed rate loans for terms ranging from three to 30 years. Its loan officers assist clients with their mortgage refinancing process that determines their refinancing options based on their loan conditions. They also ensure that proper documentation and verification are employed. Additionally, Mortgage Market offers services to homeowners seeking to leverage their home's equity.

1501 Discovery Bay Boulevard, Discovery Bay, CA 94505
Discovery Bay, CA 94505

Website(925) 634-6464

Show Number

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.

Online Profiles:

1 (Good)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

22 (Better)

Score Consistency:

Consistent (Best)

668 Industrial Park Dr, Manteca, CA 95337
Manteca, CA 95337
  • Multi-Family Loans

Nicholas Financial Declarations, LLC, has been providing mortgage solutions for clients in Stockton and its neighboring areas since 2019. Its staff offers refinancing and purchase options for first-time homebuyers and property owners who wish to lower their monthly payments and interest rates. Through its partnership with wholesale lending channels such as Sterns, Rocket Pro, and UWM, it strives to meet demands for residential loans in the region's current market. It has different mortgage options involving manufacturing, median income, and bank statement-only loans.

668 Industrial Park Dr, Manteca, CA 95337
Manteca, CA 95337

Website(209) 624-9827

Show Number

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.

Online Profiles:

1 (Good)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

1 (Good)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

343 E Main St Ste 904, Stockton, CA 95202
Stockton, CA 95202
  • Reverse Mortgages
  • New Construction

Pacific Funding Group is a mortgage refinance company in Stockton. The firm offers refinancing for VA, FHA, and conventional mortgages. Its loan officers assist clients with refinancing their mortgages through the Home Affordable Refinance Program 2.0 for homes that have experienced significant devaluation. The company also refinances jumbo loans. Additionally, Pacific Funding Group refinances its in-house mortgages, including loans in its Mortgage 4 Frontlines programs, which offer loans to military personnel and first responders.

343 E Main St Ste 904, Stockton, CA 95202
Stockton, CA 95202

Website(925) 634-6700

Show Number
1776 West March Lane, Stockton, CA 95207
Stockton, CA 95207
Instagram
  • New Construction

Platinum Home Mortgage is a mortgage refinancing firm in Stockton that has been helping clients choose the best mortgage options and home loan programs since 1993. The firm guides clients in the complex process of acquiring new mortgages and changing existing mortgage terms. It helps clients reduce their interest rates, monthly payments, and mortgage terms. Some of its loan programs include government loans such as VA Streamline and FHA 203K. Platinum Home Mortage's employees receive continuous training to keep up with industry standards.

1776 West March Lane, Stockton, CA 95207
Stockton, CA 95207

InstagramWebsite(209) 762-1780

Show Number

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.

Online Profiles:

1 (Good)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

7 (Good)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

1000 Belmont Ln., Tracy, CA 95377
Tracy, CA 95377
Instagram
  • Reverse Mortgages

ReeseSquared Mortgage caters to Stockton residents, providing them with a wide selection of mortgage options and refinancing services. These options range from adjustable and fixed-rate mortgages to government lending options like VA Lending and FHA loans. Its mortgage refinancing process starts with clients filing an online refinance analysis request. Afterward, they receive options tailored to their criteria and circumstances, and the company's staff assists them in comparing the available options. ReeseSquared Mortgage is expert n Reverse Mortgages along with having special certifications in working with divorcing homeowners. Liz Reese, one of its mortgage brokers, has over 18 years of industry experience.

1000 Belmont Ln., Tracy, CA 95377
Tracy, CA 95377

InstagramWebsite(209) 640-1710

Show Number

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.

Online Profiles:

2 (Better)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

38 (Best)

Score Consistency:

Consistent (Best)

1156 Scenic Drive Suite 200, Modesto, CA 95350
Modesto, CA 95350
Instagram
  • New Construction

Scenic Oaks Funding is a mortgage banker that serves home buyers and sellers in the Stockton metro and the rest of Central California. For more than 20 years, the firm has been providing a wide selection of lending products for purchase, such as VA, 30-year fixed rate mortgage, FHA, investment property loans, USDA, and a conventional mortgage. Its team of loan officers handles various properties, including vacation houses, rental homes, and investment properties. They also assist customers throughout the process of home refinancing.

1156 Scenic Drive Suite 200, Modesto, CA 95350
Modesto, CA 95350

InstagramWebsite(800) 705-6333

Show Number

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.

Online Profiles:

1 (Good)

Average Review Score:

4.5 / 5 ( Best)

Total Reviews:

41 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

4643 Quail Lakes Dr, Suite 100 & 200, Stockton, CA 95207
Stockton, CA 95207

Stearns provides home mortgage refinance in Stockton to homeowners. The company assists clients refinancing their mortgage to lower their monthly payment, reduce their interest rate, or reduce the term of their loan. It refinances qualified loans through the FHA Streamline, VA Streamline, VA Cash Out programs. The firm also refinances mortgages with FHA 203(k) loans. Additionally, Stearns refinances jumbo loans for clients seeking to access cash for home renovations or tap into their home's equity.

4643 Quail Lakes Dr, Suite 100 & 200, Stockton, CA 95207
Stockton, CA 95207

Website(209) 888-1422

Show Number
6820 Pacific Ave, Stockton, CA 95207
Stockton, CA 95207
  • New Construction

Stockton Mortgage Real Estate Loan Servicing Corporation aids borrowers in acquiring the optimum mortgage for single- and multi-family residences, condos, and apartments. Its private home loan plan, which accommodates self-employed individuals and retirees, is available for construction finance and has refinancing and term options. It also carries loan products that support the development of large-acreage estates, agricultural properties, open lots, and commercial spaces. The company has been financing real estate ventures in Stockton and the surrounding communities for 40 years.

6820 Pacific Ave, Stockton, CA 95207
Stockton, CA 95207

Website(209) 957-7500

Show Number

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.

Online Profiles:

1 (Good)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

2 (Good)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

4600 N. Pershing Ave, Suite B, Stockton, CA 95207
Stockton, CA 95207
  • Multi-Family Loans

Tri-Valley Lending of Stockton serves homebuyers and homeowners in the metro. The company offers a wide range of loan products for different situations, including USDA, FHA, VA, conventional, home equity, and reverse mortgage loans. Its loan officer helps homeowners find loans to refinance their mortgage or have the cash to invest in another property. The company provides clients with interactive calculators and investment tools so they can easily compare their product options. It also has loans for purchasing condominiums, townhouses, and manufactured homes.

4600 N. Pershing Ave, Suite B, Stockton, CA 95207
Stockton, CA 95207

Website(209) 914-1096

Show Number

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.

Online Profiles:

2 (Better)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

3 (Good)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

309 Cherry Ln Suite 103, Manteca, CA 95337
Manteca, CA 95337
  • New Construction

Union Strong Homeowners delivers loan and financing options to customers in Stockton. The firm is partnered with multiple banks nationwide to broker loans for prospective property purchasers. It also refinances existing debts to obtain less burdensome arrangements with creditors. Union Strong Homeowners was founded by Donell Snyder who has a background in supporting organized labor. Her clientele includes military service personnel and members of workers' unions like the Laborers International Union of North America and United Steelworkers.

309 Cherry Ln Suite 103, Manteca, CA 95337
Manteca, CA 95337

Website(209) 483-8616

Show Number

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.

Online Profiles:

1 (Good)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

1 (Good)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

141 Sand Creek Rd Ste E, Brentwood, CA 94513
Brentwood, CA 94513
  • Reverse Mortgages

Welcome Home Funding provides mortgage refinancing services to clients in the Stockton area. The company refinances mortgages for homeowners seeking to secure a lower interest rate, access cash from their home's equity, or eliminate their private mortgage insurance. It refinances VA, FHA, and USDA loans, as well as conventional and jumbo home loans. Additionally, Welcome Home Funding offers an online mortgage refinancing handbook with information for clients exploring their refinancing options.

141 Sand Creek Rd Ste E, Brentwood, CA 94513
Brentwood, CA 94513

Website(925) 565-1146

Show Number
3461 Brookside Rd, Suite B, Stockton, CA 95219
Stockton, CA 95219
Instagram

Zoom Loans is a business that caters to the mortgage refinancing needs of customers in Stockton and its neighboring communities. It guides clients through the process of buying and refinancing homes at lower rates. It helps buyers select, apply for, and compare home loans and assists in lowering monthly mortgage payments and loan interests. It offers cash-out refinancing. Zoom Loans has been helping hundreds of clients for many years acquire veterans, military, hard-to-do, and jumbo loans.

3461 Brookside Rd, Suite B, Stockton, CA 95219
Stockton, CA 95219

InstagramWebsite(877) 738-6775

Show Number

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.

Online Profiles:

3 (Best)

Average Review Score:

4.9 / 5 ( Best)

Total Reviews:

91 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: --

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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