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Best Mortgage Refinance Companies in Victorville

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EZ Home Loans logo

EZ Home Loans

12061 Jacaranda Ave Suite 2B, Hesperia, CA 92345
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  • New Construction

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.

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Innovation Mortgage Group logo

Innovation Mortgage Group

12600 Hesperia Road Suite B, Victorville, CA 92395
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  • Reverse Mortgages
  • New Construction

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.

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LENDCO logo

LENDCO

17100 Bear Valley Rd Suite B, #214, Victorville, CA 92395
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  • Reverse Mortgages

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.

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Miguel For Mortgage logo

Miguel For Mortgage

16000 Apple Valley Rd., Bldg. C5, Ste. 9, Apple Valley, CA 92307
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  • New Construction
  • Reverse Mortgages

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.

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PRMG Hesperia Branch logo

PRMG Hesperia Branch

9329 Mariposa Road, Suite 110, Hesperia, CA 92344
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  • New Construction
  • Reverse Mortgages

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.

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Roy Rogers Dr Branch logo

Roy Rogers Dr Branch

15667 Roy Rogers Dr, Ste 105, Victorville, CA 92394
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  • Reverse Mortgages

OneMain Financial provides personalized lending solutions to individuals and families in Victorville and nearby neighborhoods. It helps clients meet their key financial needs, like refinancing, paying off debt, fixing their home or car, getting medical care, and paying for other big expenses. It provides personal loans that may be an alternative to credit cards because they have fixed and predictable payment plans. OneMain Financial has worked with Local Initiatives Support Corporation to help people get assets, improve their credit, and save money.

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Victory Home Mortgage & Realty logo

Victory Home Mortgage & Realty

Victorville, CA 92392
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  • New Construction
  • Reverse Mortgages

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.

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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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