Best Mortgage Refinance Companies in Vallejo

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Accredited Brokers logo

Accredited Brokers

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

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.

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Manufactured Home Mortgage logo

Manufactured Home Mortgage

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

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.

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Musa Financial logo

Musa Financial

2646 Appian Way Suite 31, Pinole, CA 94564
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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.

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Silverado Home Mortgage logo

Silverado Home Mortgage

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

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.

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US Financial Mortgage Lending logo

US Financial Mortgage Lending

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

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.

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ZRE Funding logo

ZRE Funding

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

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.

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Frequently Asked Questions

Q: What should you expect when refinancing a mortgage?

A: 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.

Q: How often should you refinance your mortgage?

A: 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.

Q: Can you refinance a first mortgage and not a second?

A: 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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