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Best Mortgage Refinance Companies in Sunnyvale

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Adeline Mortgage Team logo

Adeline Mortgage Team

1601 S. De Anza Blvd. Suite 260, Cupertino, CA 95014
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  • Reverse Mortgages

Adeline Mortgage Team has been helping residents in Sunnyvale achieve their home purchasing goals for more than 15 years. Its employees assist first-time homebuyers and investors in obtaining loan pre-approval by reviewing supporting papers and personal information, including asset and income documents, to determine the maximum loan amount appropriate for them. They also offer refinancing options that reduce loan terms, convert home equity into cash, lower interest rates, and change property titles in situations involving divorce.

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Angelo Cipriano logo

Angelo Cipriano

1762 Technology Drive Suite 223, San Jose, CA 95110
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  • Reverse Mortgages

Angelo Cipriano is a mortgage lender accommodating borrowers in Sunnyvale and surrounding areas. He works with property owners and buyers, helping fund their aspirations to purchase, refinance, and invest in properties. Clients have commended him for his accommodating service, taking the time to educate his clients and closing transactions in a timely manner. Cipriano operates under the banner of LoanDepot, a mortgage company that has funded more than $275 billion in loans since its establishment in 2010.

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Googain Sunnyvale logo

Googain Sunnyvale

1288 Kifer Road, Suite 208, Sunnyvale, CA 94086
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  • New Construction

Googain Sunnyvale has been serving clients in the metro since 2004. The agency guides homeowners and first-time homebuyers with various refinancing and purchasing options that match their financial goals. It offers comprehensive loan programs from Fannie Mae, Freddie Mac, CalHFA, and VA. Clients can also utilize mortgage calculators on the company's website to determine the break-even point on their refinanced loans. The company assists in home valuation for customers looking to sell their properties. Googain Sunnyvale received the 2022 Innovation Award from ICE Mortgage Technology.

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Kal Financial logo

Kal Financial

2542 South Bascom Avenue Ste. 130, Campbell, CA 95008
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Kal Financial is a mortgage brokerage that serves clients throughout Sunnyvale and the surrounding metros. The firm assists clients who are considering refinancing a home loan, whether they are seeking to consolidate their debts, reduce monthly payments, or cash out some of their equity. Its loan consultants also offer a variety of fixed-rate and adjustable-rate mortgage loan options, from 30-year fixed mortgages to 3-year ARM hybrid. Managing director David Lawver also hosts a radio show on real estate matters.

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Manka Mortgages logo

Manka Mortgages

1022 Lancer Drive, San Jose, CA 95129
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  • New Construction
  • Reverse Mortgages

Manka Mortgages works with Sunnyvale residents who want to refinance their existing home loans. Chacko "Jacob" Varghese, the company's mortgage loan specialist and broker, provides clients with personalized solutions while guiding them through the mortgage process. He also assists them in negotiating a loan that fits their financial situation. A previous client has commended Jacob for constantly communicating throughout the process and responding quickly to questions. Manka Mortgages also assists clients with their jumbo loan requirements.

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Mortgage Magic logo

Mortgage Magic

1625 The Alameda #401, San Jose, CA 95126
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  • New Construction
  • Reverse Mortgages

Mortgage Magic offers its financial options to potential applicants from neighborhoods in the Sunnyvale metro. Its agents have been helping clients refinance their existing loans and secure funding for debt payments, tuition fees, and home improvements. They regularly conduct holistic analyses of the local mortgage market to identify potential changes in interest rates for the adjustment of various programs. For its services and expertise, the firm has received the Community Excellence award from the San Jose Chamber of Commerce.

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Snapfi logo

Snapfi

1155 Meridian Avenue #100, San Jose, CA 95125
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  • Multi-Family Loans
  • New Construction
  • Reverse Mortgages

For more than 25 years, Snapfi has been providing the mortgage needs of clients in Sunnyvale and the surrounding areas. Its team specializes in helping individuals and families refinance their existing mortgage loans to lower their rates, obtain home improvement funds, pay off debts, and reduce monthly payments. These mortgage refinance programs also helps clients cash out their equity to purchase other real estate or provide for college expenses. Snapfi has refinanced more than 4,000 homes throughout the community.

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The Reen Team logo

The Reen Team

3190 South Bascom Ave., Suite 100, San Jose, CA 95124
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  • New Construction

The Reen Team is a family-owned and family-operated business serving the residents of Sunnyvale. It helps homeowners and homebuyers shift from adjustable-rate to fixed-rate loans to lower their payments and cash out their home equity. Michele Morse Reen, who has been a residential loan consultant for more than 30 years, offers various lending options from Direct Mortgage Funding, such as VA home loans, reverse mortgages, and down payment assistance programs. Her husband, Mike Reen, joined the team in 2003.

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Thuan Nguyen logo

Thuan Nguyen

2195 Tully Roa, San Jose, CA 95122
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  • Reverse Mortgages

Thuan Nguyen is Loan Factory's CEO. His firm offers mortgage and refinance products to clients in Sunnyvale who want to purchase homes, lower their interest or payments, or receive cash. Since its establishment, Loan Factory has served over 27,000 clients and closed more than $11 billion in loans in 14 branches around the country. It represents 39 lenders, including TJ Financial, Provident Funding, JMAC Lending, Carrington, and Home Point Financial. The agency is an equal housing opportunity brokerage.

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Veridian Mortgage logo

Veridian Mortgage

2975 Bowers Ave Suite 315, Santa Clara, CA 95051
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  • Reverse Mortgages

Veridian Mortgage assists Sunnyvale-based individuals and families in refinancing their home loans for improved financial security. Its team assesses each client's situation and determines their eligibility for various programs based on factors such as job changes, HOA litigations, and bankruptcy. It provides access to a selection of different loans and refinancing options that are canvassed from more than 100 local lenders. It also organizes informative seminars, offers regular progress reports on market changes, and promotes continuing education classes that involve various mortgage-related subjects.

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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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