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Best Mortgage Refinance Companies in Vacaville

2024

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Providers

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Website
406 Main Street, Vacaville, CA 95688
  • New Construction

Why choose this provider?

Citizens Financial is a real estate finance brokerage that provides multiple mortgage loan options and services to the citizens of Vacaville. Refinancing is offered to help borrowers settle a lower monthly payment. The organization provides a range of mortgage and loan alternatives, including first-time homebuyer, jumbo, fixed rate, FHA, VA, and USDA loans. Additionally, its team has low down payment purchase options, investment property programs, and rehab loans. Citizens Financial has been in the business for more than ten years.

License Verified:

License: 1401042

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
Yelp
5.0 / 5 (18)
Google
5.0 / 5 (3)

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
338 Cernon Street, Vacaville, CA 95688
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Dream Team Lending provides personalized mortgage solutions to customers in the Vacaville community. It develops customized loan quotes for home refinance loans based on clients' unique criteria, helping them get lower interest rates and reduced monthly payments or change the terms of their mortgage. It offers conforming, jumbo, super jumbo, FHA, VA, and USDA loans. Dream Team Lending is operated by Loli Martinez Lonso and Alix Pate, who are both senior mortgage brokers with Mortgage Masters Lending, Inc.

License Verified:

License: 287454

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 (121)
Google
5.0 / 5 (64)
Yelp
5.0 / 5 (4)

Website
338 Cernon Street, Vacaville, CA 95688
  • New Construction

Why choose this provider?

Yvette Phillips Thomas, a broker with Mortgage Masters of California, provides services to customers in Vacaville and nearby communities. She offers home loan refinancing solutions to individuals who want to replace their current mortgage with another one under different terms. She helps customers find mortgages with lower interest rates and monthly payments. Her refinancing services also help clients consolidate high-interest debts. Thomas has over 20 years of experience in the industry and has worked as an underwriter, a processor, and an operations manager.

License Verified:

License: 294675

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 (12)

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.
2.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
342 Merchant St, Vacaville, CA 95688
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Brickhouse Mortgage, Inc. attends to the refinancing needs of residents in and near Vacaville. The company assists owners of townhouses, manufactured homes, condos, and single- and multi-family residences through the process of refinancing their properties. Its team works with them from selecting suitable loan programs to closing. Brickhouse Mortgage's loan products include FHA, VA, USDA, and jumbo loans. It also offers a variety of mortgage options, including interest-only, fixed- and adjustable-rate mortgages. Additionally, it serves clients who need to secure financing for home purchases.

License Verified:

License: 230218

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 (12)
Yelp
5.0 / 5 (7)
Facebook
5.0 / 5 (6)

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
405 Boyd St, Vacaville, CA 95688
  • New Construction

Why choose this provider?

Paul Smith is a mortgage officer who helps homeowners in the Vacaville community qualify for refinancing programs. He creates refinancing solutions for borrowers interested in reducing monthly payments, changing the length of the loan term, and taking out equity. Smith assists clients in navigating the refinancing process, from analysis and application to funding and post-closing. He is an agent for the Fairway Independent Mortgage Corporation. The company provides online application options, as well as decision-making tools and calculators.

License Verified:

License: 1598706

Nationwide Multistate Licensing System and Registry

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
707 Merchant Street, Suite 200, Vacaville, CA 95688
  • New Construction

Why choose this provider?

Downtown Lending Group provides refinancing to help people in Vacaville and nearby areas lower their fixed interest rates. The mortgage banker's loan officers offer 2/1 buy-down, adjustable-rate, and USDA home loans. In addition, they work with more than 60 lenders that offer various home financing programs that match the interest rate needs and financial resources of their clients. Downtown Lending Group combines online tools, such as interactive mortgage calculators, with modern information technology to provide personalized and streamlined services.

License Verified:

License: 230201

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 (30)
Yelp
5.0 / 5 (10)
Google
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

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.
  • What documents should you provide when applying for a mortgage refinance in Vacaville?

    If you wish to refinance your mortgage in Vacaville, lenders may ask for several financial documents, including W-2 forms, federal tax returns, bank statements, homeowner’s insurance policy, and recent mortgage statements. They may also require you to submit a list of all your debts, such as personal loans, student loans, credit card debt, and car loans, which will help them determine your debt-to-income ratio.

  • How soon can you receive your new loan estimate after applying for a refinance in Vacaville?

    You may be able to receive your new loan estimate three days after you have completed your refinance application in Vacaville. Before you sign the document for closing, you must ensure to double-check all of the terms and conditions to ensure that all information is correct, including any additional refinance fees.

  • Do you have to undergo a home appraisal to refinance a home in Vacaville?

    No, a home appraisal is not required to refinance a property in Vacaville, though some lenders in the area may need an official appraisal before the underwriting process. However, you will be subjected to the underwriting procedure, in which a professional underwriter will assess your ability to repay your new mortgage.

  • What are your different refinance loan options in Vacaville?

    Some refinance programs available include conventional home loans, FHA Streamline and FHA 203(k) refinance, USDA Rural Streamline refinance, HARP refinance, and VA Interest Rate Reduction refinance. Lenders in Vacaville may offer you several refinance loan options depending on your financial goals, existing mortgage terms, and current financial situation.

  • How long does it take to process a mortgage refinance in Vacaville?

    There is no definite timeline for processing a mortgage refinance in Vacaville. It will depend on several factors, including how soon you can gather the required documents, your existing mortgage terms, and the refinance loan you will get. However, your lender may close refinance as early as three weeks after your application.

  • 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.