Expertise.com

Best Mortgage Refinance Companies in Vallejo

2024

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls
Mortgage Refinance Companies FAQs 〉

Providers

Last updated:

Website
862 Alamo Dr., Vacaville, CA 95688
  • New Construction

Why choose this provider?

Solano Mortgage lists the Vallejo metro as one of its service areas. The company creates refinancing packages designed for goals such as debt consolidation, equity cash out, and term and interest rate reduction. Its mortgage professionals walk borrowers through the refinancing process, from consultation and application to underwriting and closing. Solano Mortgage has been catering to the community's needs for over 15 years. It supports the Vacaville Chambers of Commerce and the Northern Solano County Association of Realtors.

License Verified:

License: 1850

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
Facebook
4.9 / 5 (84)
Google
4.9 / 5 (68)
Yelp
5.0 / 5 (16)

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
177 Military, East Benicia, CA 94510
  • New Construction

Why choose this provider?

Darlene Espinoza is a mortgage loan originator that offers refinancing options to clients in and around the Vallejo area. She facilitates renovation loans and investment property acquisitions. The agent also has conventional, FHA, VA, and jumbo loan programs available. She updates clients on every step of the process, from application to closing. Espinoza is an executive loan advisor and sales manager for CrossCountry Mortgage. She has been in the lending and finance industry for more than 20 years.

License Verified:

License: 1754567

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 (20)
Facebook
5.0 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2646 Appian Way Suite 31, Pinole, CA 94564

Why choose this provider?

Musa Financial provides mortgage refinancing solutions to individuals and families in Vallejo and the surrounding areas. Its refinance options include FHA streamline, jumbo, VA cash out, and conventional loans. It also offers fixed-rate, graduated payment, interest only, and adjustable-rate mortgages. The professionals at Musa Financial assist clients in selecting the home loan and refinance program that best suits their needs. They guide borrowers through each step of the mortgage application process, from loan processing to closing.

License Verified:

License: 1132642

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 (21)
Google
5.0 / 5 (11)
Yelp
5.0 / 5 (5)

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
4173 Cobblestone Dr., Concord, CA 94521
  • Reverse Mortgages

Why choose this provider?

Accredited Brokers is a mortgage company that caters to home buyers and owners in Vallejo and the surrounding areas. It offers various refinance options for local borrowers looking to cash out equity or get better loan terms and rates, such as FHA Streamline and Cash-out, VA Streamline and Cash-out, HARP, conventional, and jumbo. In addition to home purchase loans, the agency assists with construction loans for remodeling and repairs. Accredited Brokers also educates clients about credit score improvement, loan document preparation, and PMIs.

License Verified:

License: 1974087

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 (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
4973 Appian Way, El Sobrante, CA 94803
  • New Construction

Why choose this provider?

US Financial Mortgage Lending serves customers in Vallejo, helping them find the right mortgage for their dream homes. It offers refinancing services to homeowners looking to lower their monthly repayments and annual percentage rates. The firm provides various mortgage loan products, such as adjustable rates, fixed rates, FHA, conventional, Jumbo, and VA loan programs. It also has buyer assistance programs like HomePath and Home Possible. The agency is under Golden Empire Mortgage which has been in the industry for over two decades.

License Verified:

License: 258761

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 (20)
Google
5.0 / 5 (5)

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
1612 Jefferson St, Suite 4, Napa, CA 94559
  • Reverse Mortgages

Why choose this provider?

Manufactured Home Mortgage is a mortgage lender providing mortgage refinancing solutions for people living in mobile and manufactured homes in Vallejo. It offers a variety of mortgage refinancing options for clients seeking to reduce their monthly payments, consolidate high-interest debt, or cash out their home equity for significant expenses such as home improvements. The company has been in business for over two decades and is active in several organizations, including the Manufactured Housing Institute and the California Manufactured Housing Institute.

License Verified:

License: 254890

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.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
PO Box 31087, Walnut Creek, CA 94598

Why choose this provider?

Lux Funding is a local mortgage company that serves clients in Vallejo and the surrounding areas. It offers refinance options for borrowers looking to get better rates and terms or to cash out equity. Its refinancing programs include conventional, HARP, jumbo, VA, FHA, and USDA. The agency specializes in multi-family and 30-year fixed-rate home loans. In addition, it works with clients seeking commercial loans of up to $100 million. Lux Funding has funded over $953 million in loans. It provides 24/7 customer service response.

License Verified:

License: 2119878

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
1110 Alhambra Ave, Martinez, CA 94553
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Silverado Home Mortgage offers a wide variety of refinance options for local borrowers throughout Vallejo and the surrounding metros. Whether clients are looking to cash out or get a better rate and term, clients may choose from a vast selection of programs which include FHA Streamline, Cash Out, and 203k, VA Streamline and Cash Out, conventional, and jumbo loans. Loan options are also available for clients looking into purchasing their first homes or investment properties.

License Verified:

License: 978897

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 (9)
Google
5.0 / 5 (4)

Website
555 First, Ste. 102, Benicia, CA 94510
  • Reverse Mortgages
  • New Construction

Why choose this provider?

Guy Benjamin provides financing solutions to residents in Vallejo. He is a branch manager at Fairway Independent Mortgage Corporation, an approved lender founded in 1996. He handles fixed-rate and adjustable-rate mortgages as well as conforming, jumbo, and government-backed loan programs. He is also dedicated to educating clients who want to cash out their home equity, reduce their interest rates, and lower their loan payments. Guy Benjamin has worked in the mortgage industry for more than a decade.

License Verified:

License: 887909

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
3646 Park Ridge Dr, Richmond, CA 94806
  • Reverse Mortgages

Why choose this provider?

ZRE Funding is a full-service lender that handles inquiries and applications concerning refinancing programs for clients in Vallejo. Its consultants offer a variety of tailored options that extend throughout different terms and involve monthly payments that match the credit scores and financial capabilities of applicants. They offer comprehensive financial recommendations that are adjusted and evaluated alongside in-depth assessments of local property values and interest rates. Their programs include VA cash-out and streamline loans, as well as jumbo, conventional, and HELOC mortgages.

License Verified:

License: 1946627

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 (3)
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

Website
490 Chadbourne Road Suite A147, Fairfield, CA 94534
  • New Construction

Why choose this provider?

Jeanine Nucum is a mortgage broker with GTG Financial Mortgage Brokers that serves clients in Vallejo and its surrounding communities. With over a decade of experience in the industry, she offers straightforward loans to those seeking a mortgage in California. The broker provides a variety of loan packages such as conventional, jumbo, FHA 203k, harp 2.0, FHA, and VA loans. She also provides exclusive VA mortgage loan programs to both active and retired military service members.

License Verified:

License: 1224692

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 (113)
Yelp
5.0 / 5 (90)
Facebook
4.9 / 5 (41)

Website
Vallejo, CA
  • Reverse Mortgages

Why choose this provider?

Clients in the Vallejo area and surrounding metros can take advantage of Network Independent Mortgage Brokers' refinancing plans. VA, FHA, jumbo, and conventional loans are all available, as are fixed-rate and adjustable-rate mortgages. It also offers downpayment assistance for CalHFA and CHENOA, 80-10-10 NO PMI HELOC options, SBA office and warehouse financing, and reverse mortgages. George R. Kalis, the company's owner, is a Certified Veterans Loan Specialist who has been in the mortgage business since 1993. His team has over 55 years of industry experience.

License Verified:

License: 1859425

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 (68)
Facebook
5.0 / 5 (4)
Yelp
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

Website
421 Freeway Dr, Napa, CA 94558

Why choose this provider?

Mitchell Mortgage provides personalized home loan services to first-time buyers and residential owners in Vallejo. It assists clients in the loan process and in choosing the ideal option that suits their needs, whether for purchasing their dream home, refinancing an outstanding loan, or consolidating debt. Its loan programs include ARM, VA, conventional, jumbo, and fixed-rate mortgages. Michael Mitchell, the proprietor, is an independent broker with more than 34 years of experience in real estate finance.

License Verified:

License: 287257

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

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 are the advantages of refinancing a mortgage in Vallejo?

    There are several advantages that a homebuyer may get from choosing to refinance a mortgage in Vallejo, such as being able to lower the applicable interest rates and making use of the home’s equity. Other possible benefits include reducing the loan’s term and even being able to choose a different mortgage product.

  • What should homebuyers take note of when it comes to mortgage refinancing in Vallejo?

    Homebuyers in Vallejo need to take note of various factors when it comes to mortgage refinancing, such as the length of time they intend to stay in their current home and whether they have a significant amount of credit card debt. Another factor that should be considered is the homebuyer’s familiarity with their credit score.

  • What are the types of conventional mortgage refinancing offered in Vallejo?

    The types of conventional mortgage refinancing offered in Vallejo include cash-out and rate-and-term. Cash-out refinancing involves the cashback that a homebuyer gets after obtaining a new loan with a higher amount than their current loan amount. On the other hand, rate-and-term refinancing refers to when the loan amount remains the same despite changes in the loan’s rate and term.

  • How does mortgage refinancing work in Vallejo?

    Mortgage refinancing in Vallejo involves underwriting to get the homebuyer’s financial information and an appraisal to confirm a home’s latest value. In mortgage refinancing, the homebuyer who already has an existing mortgage acquires a new loan that replaces the present one. This comes with new loan amounts and terms.

  • What are the closing costs that are associated with mortgage refinancing in Vallejo?

    While the expenses related to mortgage refinancing may vary among different lenders, various closing costs are often associated with refinancing that a homebuyer in Vallejo should consider, such as appraisal, application, and attorney’s fees. Other potential closing costs that might be involved include title and insurance expenses.

  • 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.