Best Mortgage Refinance Companies in Tracy

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Ability Mortgage logo
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License Verified:

License: 304611

Nationwide Multistate Licensing System and Registry

Ability Mortgage

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

Business Description

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.
4.8
Google
4.9 / 5 (78)
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.
4.0
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American Pacific logo
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License: 299689

Nationwide Multistate Licensing System and Registry

American Pacific

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

Business Description

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
Debbi Galvan logo
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License Verified:

License: 190282

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Debbi Galvan

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

Business Description

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
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GEM Mortgage logo
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License: 1482128

Nationwide Multistate Licensing System and Registry

GEM Mortgage

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

Business Description

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
Google
5.0 / 5 (33)

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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Howard Davies logo
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License: 274558

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Howard Davies

1190 S. Bascom Avenue Suite 215, San Jose, CA 95128
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  • New Construction

Business Description

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

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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Investment Mortgage logo
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License Verified:

License: 301112

Nationwide Multistate Licensing System and Registry

Investment Mortgage

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

Business Description

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

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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Janice Nugent logo
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License Verified:

License: 289353

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Janice Nugent

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

Business Description

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)
Joseph Varni logo
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License Verified:

License: 314122

Nationwide Multistate Licensing System and Registry

Joseph Varni

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

Business Description

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)

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
Livermore Mortgage Corporation logo
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License Verified:

License: 841321

Nationwide Multistate Licensing System and Registry

Livermore Mortgage Corporation

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

Business Description

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.
4.8
Facebook
4.8 / 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
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Helpfulness
Detail
Mark Kinder logo
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License Verified:

License: 252419

Nationwide Multistate Licensing System and Registry

Mark Kinder

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

Business Description

Mark Kinder, who is affiliated with Canopy Mortgage, attends to the home financing needs of residents in and around Tracy. He assists homeowners through the refinancing process, helping them cash out of home equity or lower interest rates. He also helps both first-time and move-up homebuyers navigate the procedure of securing financing. The mortgage professional works with clients to find programs that suit their needs and goals, keeping them informed throughout the process via call and email.

License Verified:

License: 252419

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 (44)
Facebook
5.0 / 5 (1)

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
Money Hungry logo
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License Verified:

License: 2105316

Nationwide Multistate Licensing System and Registry

Money Hungry

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

Business Description

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 (13)
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
Team MortgageSeth logo
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License Verified:

License: 1595108

Nationwide Multistate Licensing System and Registry

Team MortgageSeth

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

Business Description

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
Facebook
5.0 / 5 (31)

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
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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