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2024

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Best Mortgage Refinance Companies in Victorville, CA

Our Recommended Top 12

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Victorville Mortgage Refinance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

75Reviewed

49Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

17100 Bear Valley Rd Suite B, #214, Victorville, CA 92395
WebsiteLicense: 2102237

Expertise.com Rating

Review Sources

Google
5.0 (13)

Why choose this provider?

LENDCO is a mortgage brokerage agency serving clients in Victorville. The company offers mortgage refinancing programs for single-family homes, multi-family units, condominiums, manufactured homes, and townhouses. Its independent mortgage specialists guide borrowers through the refinance process, from pre-qualification to closing. In addition, the company provides home purchase loans such as fixed-rate, ARM, interest only, jumbo, and government loans such as FHA and VA. Julio Hernandez, the firm's founder, has been in the real estate industry since 2002. He also serves Spanish-speaking communities.

  • Conv ,VA, FHA
  • Bilingual Loan Officers
  • Reverse Mortgages

14298 Saint Andrews Drive Suite 1, Victorville, CA 92395
WebsiteLicense: 239054

Expertise.com Rating

Review Sources

Google
5.0 (6)
Facebook
4.3 (6)

Why choose this provider?

Rivas Realty & Mortgage caters to locals in the Victorville metro. It offers home loans to help individuals and families purchase their dream property. The agency also conducts home inspection services to help them make the most out of their purchases. In addition, it aids clients in selling their properties and performs a photo shoot to be used in a home visual presentation. The company's real estate and mortgage broker, Victor Rivas, has more than 10 years of experience in the industry.

  • New Construction

12061 Jacaranda Ave Suite 2B, Hesperia, CA 92345
WebsiteLicense: 1950173

Expertise.com Rating

Why choose this provider?

EZ Home Loans offers HARP 2.0 refinance options for clients in Victorville and nearby locations. This mortgage refinance option is available to those who still owe more than the value of their home. The team also assists in the acquisition of adjustable rate mortgages, which have interest payments that are determined by current market conditions. The company also assists buyers who are unable to obtain a loan due to low credit scores with the FHA loan process.

  • New Construction

13911 Park Avenue, Victorville, CA 92392
WebsiteLicense: 153926

Expertise.com Rating

Review Sources

Google
4.9 (89)
Facebook
4.7 (35)
Yelp
3.5 (3)

Why choose this provider?

GEM Mortgage Victorville is a lending company that offers mortgage refinancing services to the metro. Its team of loan officers guides its clients to understand strategies on how to reduce the overall cost of a mortgage, lower down payments, and select fixed interest rates. It also offers 10- to 30-year fixed mortgages, FHA, VA, and conventional jumbo loans, and ARM. Howard Kooststra, the company CEO, has been in the lending industry for over 35 years and holds experience in corporate administration and business development.

  • New Construction

Victorville, CA 92392
WebsiteLicense: 1866428

Expertise.com Rating

Review Sources

Google
5.0 (56)

Why choose this provider?

Victory Home Mortgage & Realty assists Victorville homeowners in obtaining refinance loans. Its team advises clients on the best time to refinance so that they can benefit from lower monthly payments, shorter terms, or cash from equity. It also provides fixed-rate, adjustable-rate, and hybrid adjustable-rate mortgages, as well as interest-only, FHA, and VA loans. Victory Homes helps clients overcome challenges and strives to provide the lowest interest rates and closing costs possible. To date, the company has funded loans totaling $150 million.

  • New Construction
  • Reverse Mortgages

14250 Seventh St., Victorville, CA 92395
WebsiteLicense: 2066093

Expertise.com Rating

Review Sources

Yelp
5.0 (1)

Why choose this provider?

Megan Mezin works for Alaska USA Mortgage Company as a Mortgage Loan Originator. She handles refinancing for clients in the Victorville metro and surrounding areas. Visitors to the company's website can access calculators for relevant refinancing calculations such as refinance break even, debt consolidation, payment amortization, annual percentage rate, early payoff, and tax savings. Megan Mezin has been in the financial industry for nearly a decade. Alaska USA Mortgage is also conducts business in Arizona and Washington.

9329 Mariposa Road, Suite 110, Hesperia, CA 92344
WebsiteLicense: 240135

Expertise.com Rating

Review Sources

Google
4.9 (584)
Yelp
5.0 (2)

Why choose this provider?

PRMG Hesperia Branch caters to clients in the Victorville metro and the surrounding areas. The mortgage banker helps individuals and families purchase their homes by offering mortgage refinancing options. Its standard conventional loan products include Fannie Mae and Freddie Mac's Homestyle Renovation, HomeReady, and Home Possible. It also carries FHA, USDA, and VA products from Ginnie Mae. In addition, HECMs or reverse mortgages are available. PRMG has been serving the community for more than 20 years.

  • New Construction
  • Reverse Mortgages

9113 SVL Box, Victorville, CA 92395
WebsiteLicense: 1495717

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Mojave River Mortgage is a full-service company. It assists clients in Victorville to overcome challenges that may arise while obtaining a house loan and helps them save money with their new reduced monthly payments. The company offers a number of different options and types of home loans, such as fixed-rate mortgages, graduated payments, interest-only, jumbo, FHA, and USDA programs. The owner, Bo Goulet, is a mortgage broker who also serves the community as a residential and commercial real estate broker.

  • New Construction

16000 Apple Valley Rd., Bldg. C5, Ste. 9, Apple Valley, CA 92307
WebsiteLicense: 1203937

Expertise.com Rating

Why choose this provider?

Miguel For Mortgage accommodates property owners in and around Victorville. The agency provides various home refinance options, such as adjustable-rate, USDA, FHA, reverse, and 15-and 30-year fixed mortgages. It offers solutions for first-time home buyers throughout the purchasing, refinancing, and selling process, including evaluating their home value, analyzing their chosen refinance program, and comparing mortgage rates based on their finances and location. Miguel For Mortgage's website features a mortgage calculator to help clients estimate their monthly payments, including insurance and taxes.

  • New Construction
  • Reverse Mortgages

13312 Ranchero Rd, Suite 473, Oak Hills, CA 92344
WebsiteLicense: 2061243

Expertise.com Rating

Why choose this provider?

ARE Mortgage Group provides homeowners in Victorville with various refinancing solutions. It uses an online analysis tool that allows borrowers to submit documents, compare rates and terms, and choose the best option suited for them. It serves homeowners who want to get lower monthly payments, shorter terms, or cash from equity through refinancing loans. The company also has adjustable rate, VA, jumbo, 203K, and USDA loans available. In addition, it offers reverse mortgages and 15- and 30-year fixed-rate loans.

  • Reverse Mortgages

17260 Bear Valley Road, Suite 104, Victorville, CA 92395
WebsiteLicense: 164497

Expertise.com Rating

Review Sources

Facebook
5.0 (6)
Yelp
3.5 (6)
Google
4.8 (5)

Why choose this provider?

Regal Mortgage delivers home financing solutions to clients in Victorville and nearby locations. Its loan officers help homeowners find a specific refinancing program that suits their needs and goals. They guide clients throughout the application and borrowing process, from pre-approval to closing and finalizing the deal. They also provide customers with a mobile app, which they can use to check and track the status of their mortgages. Regal Mortgage has been in operation since 1990.

  • New Construction

12600 Hesperia Road Suite B, Victorville, CA 92395
WebsiteLicense: 3446

Expertise.com Rating

Review Sources

Facebook
4.8 (26)

Why choose this provider?

Innovation Mortgage Group offers its services to clients in the Victorville area. It helps homeowners seeking to reduce their monthly payments and interest rates, consolidate debts, eliminate mortgage insurance, or take cash out of their equity for home improvements by providing them with various refinancing options. These include 15- and 30-year fixed-rate mortgages, FHA streamline, VA, and jumbo loans. Reverse mortgages are also available for seniors aged 62 and above. The company's team members guide customers throughout the entire loan process, from application to closing.

  • Reverse Mortgages
  • New Construction

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
LENDCO
17100 Bear Valley Rd Suite B, #214, Victorville, CA 92395
Rivas Realty & Mortgage
14298 Saint Andrews Drive Suite 1, Victorville, CA 92395
EZ Home Loans
12061 Jacaranda Ave Suite 2B, Hesperia, CA 92345
GEM Mortgage Victorville
13911 Park Avenue, Victorville, CA 92392
Victory Home Mortgage & Realty
Megan Mezin
14250 Seventh St., Victorville, CA 92395
PRMG Hesperia Branch
9329 Mariposa Road, Suite 110, Hesperia, CA 92344
Mojave River Mortgage
9113 SVL Box, Victorville, CA 92395
Miguel For Mortgage
16000 Apple Valley Rd., Bldg. C5, Ste. 9, Apple Valley, CA 92307
ARE Mortgage Group
13312 Ranchero Rd, Suite 473, Oak Hills, CA 92344
Regal Mortgage
17260 Bear Valley Road, Suite 104, Victorville, CA 92395
Innovation Mortgage Group
12600 Hesperia Road Suite B, Victorville, CA 92395

FAQs

  • 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.
  • Can Victorville residents take money out of their home equity when refinancing?

    Yes, this is possible through cash-out refinance, a mortgage refinancing option that enables Victorville residents to turn their home equity into cash. The difference between the new mortgage and the existing mortgage is paid to the borrower in cash. They could use the money to pay off high-interest debt, pay off a rental house or vacation home, or even fund home improvements.

  • How much equity can borrowers in Victorville withdraw via a cash-out refinance?

    The funds that borrowers in Victorville can obtain from a cash-out refinance are contingent upon their combined loan-to-value ratio, or CLTV. The total amount of their current mortgage loans, including all varieties such as first and second mortgages and home equity lines of credit, is divided by the home's appraised value to determine the CLTV.

  • Does refinancing a VA loan in Victorville take a long time?

    Refinancing a VA loan in Victorville requires potential borrowers to hold off for at least 210 days after making their first payment or six payments. Furthermore, they must be current on their mortgage payments. Whether they choose a VA cash-out refinance or an IRRRL (VA Interest Rate Reduction Refinance Loan), the same rule applies.

  • Is there a limit to refinancing a VA loan in Victorville?

    As long as a person is still eligible, there is no fixed limit on how often they can refinance a house using VA loans in Victorville. The same requirements, which include keeping the present loan in place for at least six months and receiving a net tangible benefit from the refinancing, must be met by borrowers in each instance of refinancing.

  • What are the benefits of refinancing a mortgage in Victorville?

    In general, mortgage refinancing in Victorville can yield favorable outcomes as it has the potential to enable individuals to:

    • Lower their monthly mortgage payments.
    • Gain access to funds by leveraging the home's equity.
    • Modify specific loan terms through negotiation.
    • Accelerate the repayment of the mortgage balance.
    • Secure a reduced interest rate through negotiation.
  • 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.