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Best Mortgage Refinance Companies in Tracy

2024

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Providers

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Website
1190 S. Bascom Avenue Suite 215, San Jose, CA 95128
  • Home Purchase Loans
  • Home Refinance Loans
  • Reverse Mortgages
  • Commercial Loans

Why choose this provider?

Howard Davies has been providing mortgage advice to Tracy residents since 1998. He helps individuals and families throughout California navigate the refinancing process. He gives seniors looking at eliminating mortgage insurance or utilizing their home equity access to reverse loan programs. In addition to traditional loan products, he offers down payment assistance and alternative document options to customers facing financial, proof of income, or credit challenges. Davies is part of the American Family Funding Group.

License Verified:

License: 274558

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 (67)
Yelp
5.0 / 5 (19)
Facebook
5.0 / 5 (13)

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
Helpfulness
Detail

Website
141 Sand Creek Rd., Suite C, Brentwood, CA 94513
  • New Construction

Why choose this provider?

Preferred Rate serves the loan needs of homeowners in Tracy who are looking for refinancing options. It offers bridge loans, dream home renovation, and Fannie Mae homestyle for borrowers seeking to refinance. The team assists clients in filing for conventional, FHA, VA, USDA, jumbo, and reverse mortgages. The company also has the California Hero Homebuyers program for teachers, frontliners, and first responders. Branch manager Rob O'Malley has been in the industry since 2001 and has helped fund nearly $1 billion in loans for 2,000 families.

License Verified:

License: 240904

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 (15)
Facebook
5.0 / 5 (10)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1127 13TH ST, Suite A, Modesto, CA 95354
  • New Construction

Why choose this provider?

NorCal Mortgage offers multiple mortgage loan options to property owners and buyers in Tracy. It walks clients through the home refinance process, which involves formulating a refinance analysis request, receiving customized options, and comparing interest terms and rates. The team provides a variety of mortgage alternatives, including reverse, adjustable-rate, and fixed 30-year and 15-year mortgages. In addition, its staff assists clients in applying for a range of loan alternatives, including jumbo, FHA, VA, 203K, USDA, and HARP.

License Verified:

License: 1629802

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 (46)
Facebook
4.7 / 5 (11)
Yelp
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
Friendliness
Helpfulness
Detail

Website
1841 4th St., Ste. D, Livermore, CA 94550
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Livermore Mortgage Corporation provides home financing solutions for residents in and around the Tracy metro. Its team of mortgage advisors attends to clients' refinancing needs, offering various programs such as fixed-rate mortgages and super jumbo and conforming loans. They also help borrowers apply for HARP loans, which were established by the Federal Housing Finance Agency. Livermore Mortgage Corporation is owned by Adam Stephens, who has been working in the residential home finance industry since 2008.

License Verified:

License: 841321

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.
4.7
Facebook
4.8 / 5 (21)
Yelp
4.5 / 5 (10)

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
Helpfulness
Detail

Website
672 West 11th Street #204, Tracy, CA 95376
  • Commercial Loans

Why choose this provider?

Money Hungry has been providing financing services to the people of Tracy and nearby areas since 2012. Its lending team assists people searching for mortgage products to purchase a new house or refinance current home loans. Its mortgage options include USDA, FHA, VA, and jumbo loans. The company's financing home loan offerings cover various property types, including vacation or townhouses, single- or multi-family homes, and condominiums. In addition, Money Hungry offers financing programs for small businesses.

License Verified:

License: 2105316

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 (15)
Yelp
5.0 / 5 (2)

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
Helpfulness
Detail

Website
1501 North Broadway Suite 330, Walnut Creek, CA 94596
  • New Construction

Why choose this provider?

American Pacific provides homebuyers throughout Tracy with mortgage programs and refinancing services. Its team of mortgage professionals utilizes over 40 years of combined industry experience to help clients compare and apply for various lending programs, such as balloon mortgages or home equity fixed mortgages. They also guide clients through the refinancing process, from determining favorable market options to closing. One of its mortgage originators, Jay Briggs, holds the Chartered Financial Analyst designation from the CFA Institute.

License Verified:

License: 299689

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 (14)

Website
3031 W. March Lane, Suite 236W, Stockton, CA 95219
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Joseph Varni is a veteran who works as a mortgage professional for Alpha Mortgage. He assists homeowners in Tracy and nearby areas who wish to fund their current house loans to get better interest rates and loan terms and adjust monthly payments. Eligible borrowers for a refinance program may use their home equity to improve homes and pay off other obligations. Varni guides loan applicants through the entire procedure, from application and paperwork processing to deal closing.

License Verified:

License: 314122

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 (11)
Facebook
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
Friendliness
Helpfulness
Detail

Website
4401 Hazel Ave., Suite 135, Tracy, CA 95628
  • Reverse Mortgages

Why choose this provider?

Debbi Galvan provides refinancing solutions to clients throughout the Tracy area. Galvan participates in close consultations with applicants to gauge their qualifications for specific programs that cover their financial goals, which include debt consolidation and interest rate reduction. She helps refinancers understand the factors affecting and influencing their financial choices, such as local rates, marketing conditions, and property values. She also has a variety of loans for new purchases involving single- and multi-family residences, condominiums, and townhouses.

License Verified:

License: 190282

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
Helpfulness
Detail

Website
3031 W. March Lane, Stockton, CA 95219
  • Reverse Mortgages

Why choose this provider?

GEM Mortgage is a division of Golden Empire Mortgage that assists in refinancing clients' homes in Tracy. Its refinancing program allows its clients to review their annual percentage rate loan and choose another loan option. Its loan products include FHA, fixed rate, jumbo and conventional. The company also caters to buyer assistance programs such as CalHFA, ACCESS, SCHFA, CHDAP, HomePath, and Home Possible. The business has been in the industry for over 30 years, headed by its CEO Howard Kootstra a DRE-approved instructor.

License Verified:

License: 1482128

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.
4.8
Facebook
4.7 / 5 (35)
Google
5.0 / 5 (34)

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
Helpfulness
Detail

Website
580 N. Wilma Ave, Suite D Ripon, CA 95366
  • Reverse Mortgages

Why choose this provider?

Ability Mortgage has been in the residential lending industry since 1989 serving Tracy and throughout the western US. It assists real estate professionals, builders, and individual homebuyers with their mortgage refinancing needs. It offers 15-year and 30-year fixed-rate mortgages, hybrid adjustable-rate mortgages with terms of between less than three years and eight years, and adjustable rate loans. The full-service mortgage lender is a division of American Pacific Mortgage Corporation. It has offices in Ripon, Modesto, and Oakdale.

License Verified:

License: 304611

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
5.0 / 5 (82)
Yelp
4.5 / 5 (11)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
3840 Blackhawk Road Suite 105, Danville, CA 94506
  • New Construction

Why choose this provider?

Janice Nugent is a mortgage loan officer serving individuals and families across Tracy and the neighboring cities. Since 1982, she has been helping people shorten the terms of their mortgage loans or lower their monthly obligations through refinancing. She also assists first-time buyers in achieving their dream of homeownership by providing home purchase loan programs, including 30-year fixed-rate, 15-year fixed-rate, and adjustable rate. Janice has been a Certified Mortgage Planner Specialist for more than a decade.

License Verified:

License: 289353

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 (14)
Yelp
5.0 / 5 (6)

Website
1816 W Kettleman Ln, Suite F, Lodi, CA 95242
  • New Construction

Why choose this provider?

Investment Mortgage serves borrowers in the Tracy metro and the surrounding areas. It provides home refinance, purchase, and equity loan types with a commitment to aid its customers in overcoming mortgage process roadblocks. The company’s programs include mortgages guaranteed by the FHA and the USDA. It also offers loans to military veterans. The majority of Investment Mortgage’s team members are fluent in Spanish. They discuss non-conforming conventional loan options with individuals whose properties are worth over half a million dollars.

License Verified:

License: 301112

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)

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
Helpfulness
Detail

Website
3421 Tully Rd Ste A, Modesto, CA 95350
  • New Construction

Why choose this provider?

IMS Lending serves locals in Tracy who need mortgages and refinancing choices. The team has fixed-rate mortgages with rehabilitation programs, the latter fit for home renovation contexts. Refinancing is an option, as are cash-out procedures. The company's clientele includes real estate investors, buyers in the farming sector, and first-time homeowners. IMS Lending was founded in 2021. It maintains a variety of online tools and resources to facilitate loan applications online and provide initial calculations of dues.

License Verified:

License: 2289265

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.
4.4
Google
4.4 / 5 (19)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
95 West 11th Street #101, Tracy, CA 95376
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Team MortgageSeth offers refinancing options to residents of Tracy. It caters to owners of properties like single- and multi-family residences, townhouses, and condominiums. Its refinance advisor tool helps borrowers determine if it is the right time to refinance. It also has a purchase assistant tool created to help homebuyers narrow their loan options according to their individual needs. The founder of the mortgage company, Seth Conley, has more than 20 years of residential lending experience.

License Verified:

License: 1595108

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 (47)
Facebook
5.0 / 5 (39)

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
Helpfulness
Detail

Frequently Asked Questions

  • 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.
  • How can you get lower monthly payments when you refinance your mortgage in Tracy?

    First, when you refinance your mortgage in Tracy, the mortgage rates offered may be lower than your existing mortgage’s rate, resulting in lower monthly payments. Second, you can reduce monthly payments on your new loan by buying mortgage points. Paying for mortgage points lowers the interest rate applied for the duration of your loan term. Third, you can choose to have a longer loan term to spread your payments over more months thereby paying a smaller amount each month.

  • Can you transfer your escrow account from your current lender to the new lender that will be refinancing your mortgage in Tracy?

    No, your existing escrow account can’t be transferred to a new lender. You will have to set up another escrow account when you close your refinancing loan with the new lender in Tracy. You can then get your old escrow refunded. Escrow accounts can only be kept if you are getting a new mortgage from the same lender.

  • Can mortgage refinancing give you money for a home remodeling project in Tracy?

    Mortgage refinancing can give you money for a home remodeling project in Tracy. Opt for “cash-out refinancing,” which is basically getting a new home loan with a bigger value than the remaining debt in your existing mortgage. You can then use funds from the new loan to pay off your mortgage balance, and the leftover fund is what you can cash out and use for your remodeling project. Another loan type that gives you funds for home remodeling is the HELOC.

  • How much closing costs should you expect when refinancing your FHA loan in Tracy?

    Prepare to pay closing costs around 3-4% of your principal loan amount when refinancing your FHA loan in Tracy. If you’re in the middle to the low-income category, you can offset some closing costs by getting assistance with your down payment through the Within Reach program. Typical closing costs include origination fees, taxes, insurance, and discount points.

  • Is the money you get from cash-out refinancing taxable in Tracy?

    Generally, the fund you get from cash-out refinancing is not taxable. You can even get tax deductions if you use the fund to increase your house’s value through capital home improvements like an HVAC replacement, swimming pool addition, and home office building. However, there are some instances when part of the fund may be taxed. Ask your trusted mortgage refinancing company in Tracy about this.

  • 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.