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2024

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Best Mortgage Refinance Companies in Stockton

Our Recommended Top 14

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Stockton 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.

163Reviewed

103Curated

14Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1919 Grand Canal Blvd A6, Stockton, CA 95207

Expertise.com Rating

Review Sources

Google
4.8 (19)
Yelp
4.5 (16)

Why choose this provider?

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.

  • New Construction

2111 West March Lane, Stockton, CA 95207
WebsiteLicense: 936439

Expertise.com Rating

Review Sources

Yelp
5.0 (21)

Why choose this provider?

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.

  • Reverse Mortgages

5713 North Pershing Avenue, Stockton, CA 95207
WebsiteLicense: 252853

Expertise.com Rating

Review Sources

Yelp
5.0 (3)

Why choose this provider?

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.

  • New Construction
  • Multi-Family Loans

3461 Brookside Rd, Suite B, Stockton, CA 95219

Expertise.com Rating

Review Sources

Google
5.0 (65)
Facebook
5.0 (55)
Yelp
5.0 (12)

Why choose this provider?

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.

309 Cherry Ln Suite 103, Manteca, CA 95337
WebsiteLicense: 1208032

Expertise.com Rating

Review Sources

Yelp
5.0 (2)
Google
5.0 (1)

Why choose this provider?

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.

  • New Construction

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

Expertise.com Rating

Review Sources

Google
5.0 (2)
Yelp
5.0 (1)

Why choose this provider?

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.

  • Multi-Family Loans

1000 Belmont Ln., Tracy, CA 95377

Expertise.com Rating

Review Sources

Google
5.0 (64)

Why choose this provider?

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.

  • Divorce Mortgage
  • Reverse Mortgages

1776 West March Lane, Stockton, CA 95207
WebsiteLicense: 13589

Expertise.com Rating

Review Sources

Google
5.0 (7)

Why choose this provider?

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.

  • New Construction

3031 W. March Lane, Stockton, CA 95219

Expertise.com Rating

Review Sources

Google
5.0 (35)
Yelp
5.0 (1)

Why choose this provider?

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.

  • New Construction

165 N Maple Ave #60, Manteca, CA 95336

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

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.

  • Multi-Family Loans

1156 Scenic Drive Suite 200, Modesto, CA 95350

Expertise.com Rating

Review Sources

Yelp
4.5 (39)
Google
4.8 (16)

Why choose this provider?

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.

  • New Construction

5250 Claremont Ave, Suite 251, Stockton, CA 95207

Expertise.com Rating

Review Sources

Facebook
5.0 (14)
Google
3.7 (3)
Yelp
5.0 (1)

Why choose this provider?

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.

  • Multi-Family Loans

6820 Pacific Ave, Stockton, CA 95207

Expertise.com Rating

Review Sources

Google
5.0 (3)
Yelp
5.0 (1)

Why choose this provider?

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.

  • New Construction

1759 Cherokee Rd, Stockton, CA 95205

Expertise.com Rating

Review Sources

Facebook
5.0 (18)
Google
5.0 (3)

Why choose this provider?

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.

  • 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.
  • Are there any benefits if you file for home refinancing in Stockton?

    Yes, there are benefits in filing for a home refinancing in Stockton. You will be able to lower interest rates and shorten the loan terms, which in turn, will enable you to end your mortgage earlier. You may also be able to pay off credit card debts with high interest, which will free up your cash flow in the long term.

  • Can you still file for a mortgage refinancing in Stockton when you already filed before?

    Yes, you can still file for another mortgage refinancing in Stockton if you have filed before. There is no limit on how many times you can apply for mortgage refinancing in the state of California. However, if you file often, you may pay more in closing costs and other financing-related fees.

  • Do you need to have a good credit score to qualify for a mortgage refinance in Stockton?

    Yes, you will need to have a good credit score in order to apply for a mortgage refinancing in Stockton and throughout the state of California. For conventional refinancing, the minimum credit score is 620. For Jumbo and FHA, you will need to have a credit score of 720 and 580 respectively. However, different mortgage lenders use varying credit scores to determine the eligibility of borrowers.

  • Are there any tax implications associated with mortgage refinancing in Stockton?

    No, your taxes will not be reassessed when you apply for a mortgage refinance in Stockton. Tax rates will only be reassessed by the assessor when there is a transfer of title. When a mortgage refinance happens, only the lender that encumbers the title will change and not the amount of tax owed.

  • What are the different types of mortgage refinancing options available to you in Stockton?

    Mortgage refinancing in Stockton and the state of California generally has five types. A fixed-rate refinance has a fixed interest rate and offers homeowners consistent monthly payments. Adjustable-rate refinance loans, on the other hand, will depend on the fluctuating interest rates and suit short-term loans. FHA and VA refinancing are government-backed and available for individuals with low credit scores. For cash-out refinance, you may use tax-free cash for personal needs.

  • 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.