Best Mortgage Refinance Companies in Vacaville

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Brickhouse Mortgage, Inc logo
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License: 230218

Nationwide Multistate Licensing System and Registry

Brickhouse Mortgage, Inc

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

Business Description

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 (11)
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
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Downtown Lending Group logo
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License: 230201

Nationwide Multistate Licensing System and Registry

Downtown Lending Group

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

Business Description

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
Dream Team Lending logo
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License Verified:

License: 287454

Nationwide Multistate Licensing System and Registry

Dream Team Lending

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

Business Description

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
Google
5.0 / 5 (65)
Yelp
5.0 / 5 (4)
Yvette Phillips Thomas logo
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License: 294675

Nationwide Multistate Licensing System and Registry

Yvette Phillips Thomas

338 Cernon Street, Vacaville, CA 95688
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  • New Construction

Business Description

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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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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