Best Mortgage Refinance Companies in Visalia

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Andrey Dimitrashchuk logo
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License Verified:

License: 1583893

Nationwide Multistate Licensing System and Registry

Andrey Dimitrashchuk

2560 W Shaw Ln #105, Fresno, CA 93711
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  • New Construction

Business Description

Andrey Dimitrashchuk is a loaning officer who serves people in Visalia. He works with those who wish to pay off their outstanding debts, lower their monthly payments, and refinance their mortgages to fund personal and domestic endeavors. He assists clients in filing requirements, analyzing their credit scores, assessing market trends, and appraising each loan option according to their long-term financial goals and needs. He also offers comprehensive information on the rates and periods of both adjustable and fixed-rate mortgages.

License Verified:

License: 1583893

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.
4.8
Google
5.0 / 5 (57)

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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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Andrey Dimitrashchuk

Brendan J. Farrell logo
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License Verified:

License: 294123

Nationwide Multistate Licensing System and Registry

Brendan J. Farrell

119 East Main Street, Visalia, CA 93291
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  • Reverse Mortgages
  • New Construction

Business Description

Brendan J. Farrell is a mortgage brokerage team for American Pacific Mortgage serving Visalia. The professionals provide refinancing solutions for homebuyers who want to replace their current loans for various reasons. Advisory services are conducted to decide if refinancing is the best option for clients. The team also offers other mortgage loans, such as conventional, FHA, VA, and jumbo loan options. Loan advisor Brendan Farrell has over two and a half decades worth of mortgage industry experience.

License Verified:

License: 294123

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
Google
4.9 / 5 (92)

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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Brendan J. Farrell

Buwalda Mortgage Services, Inc. logo
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License Verified:

License: 1383814

Nationwide Multistate Licensing System and Registry

Buwalda Mortgage Services, Inc.

804 N Irwin #A, Hanford, CA 93230
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  • Multi-Family Loans
  • New Construction
  • Reverse Mortgages

Business Description

Buwalda Mortgage Services, Inc. is a family-owned financial institution that offers refinance services to residents of Visalia. The company is owned by John and Sarah Buwalda, who together have a combined 28 years of experience in mortgage lending, finance, and retail banking. Buwalda offers a range of loan products, including FHA, conventional, VIA, and privately funded loans for individuals who want to purchase houses or refinance their loans. It also uses an online tool to help clients apply for loans in the comfort of their homes.

License Verified:

License: 1383814

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
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Buwalda Mortgage Services, Inc.

Country Club Mortgage logo
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License: 244800

Nationwide Multistate Licensing System and Registry

Country Club Mortgage

525 N Hall Street, Visalia, CA 93291
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  • Reverse Mortgages

Business Description

Country Club Mortgage offers lending services to clients across the Visalia metro. The firm works with residential property owners looking to secure mortgage financing and refinancing solutions to lower monthly costs and interest payments. Its team guides clients in every step of the loan process, from pre-qualification to funding, and addresses their concerns involving their credit score report, current employment, and home appraisal value. Its loan programs include ARM, FRM, VA, FHA, jumbo, and conventional options.

License Verified:

License: 244800

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.
4.4
Google
4.4 / 5 (7)
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Country Club Mortgage

Ernesto Padilla Home Loans logo
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License Verified:

License: 1237293

Nationwide Multistate Licensing System and Registry

Ernesto Padilla Home Loans

7575 N Del Mar Ave, Ste 104, Fresno, CA 93711
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  • Commercial Loans
  • New Construction

Business Description

Ernesto Padilla Home Loans is a mortgage brokerage company that serves clients in Visalia. It provides mortgage refinancing services for clients looking to reduce interest rates, lower monthly payments, get cash-out from equity, and change payment length and terms. It handles conventional, fixed-rate and adjustable-rate, jumbo, FHA, VA, and USDA loans. The company also assists first-time and investment home buyers with pre-approvals and loan program options. Its mortgage broker, Ernesto Padilla, has been in the industry since 2014.

License Verified:

License: 1237293

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
Google
5.0 / 5 (32)
Facebook
4.9 / 5 (17)

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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Ernesto Padilla Home Loans

Gold Standard Mortgage logo
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License Verified:

License: 1779283

Nationwide Multistate Licensing System and Registry

Gold Standard Mortgage

150 S Akers St, Visalia, CA 93291
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  • New Construction

Business Description

Gold Standard Mortgage in Visalia is a brokerage providing home loan and refinancing solutions to homeowners and homebuyers. The company has six offices in California and Texas, with the Visalia branch headed by NMLS-licensed loan originator Bianca Barrientos. It offers rate/term refinancing solutions that help secure lower interest rates, reduce monthly payments, and improve the payment schedule. It also provides cash-out refinancing solutions which convert home equity into a lump sum with relatively small closing costs.

License Verified:

License: 1779283

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.
4.5
Google
4.5 / 5 (2)

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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Gold Standard Mortgage

Maciel Mortgage logo
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License: 1850

Nationwide Multistate Licensing System and Registry

Maciel Mortgage

344 E. Dinuba Avenue, Suite B, Reedley, CA 93654
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  • New Construction

Business Description

Maciel Mortgage provides refinancing opportunities to borrowers with financial problems, serving the Visalia metro. It guides clients in accessing mortgage programs where they may be entitled to customize rates and payment duration to ease their financial burden. It also offers conventional, no down payment, jumbo, construction, FHA, and high-debt ratio loan types. Additionally, the company assists non-conventional customers who are not willing to disclose employment and asset information. This process involves understanding their situation and recommending options that serve their interests.

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.
5.0
Google
5.0 / 5 (121)
Facebook
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
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Maciel Mortgage

Maciel Mortgage logo
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License Verified:

License: 300305

Nationwide Multistate Licensing System and Registry

Maciel Mortgage

1560 W Lacey Blvd, Suite #105, Hanford, CA 93230
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  • New Construction
  • Reverse Mortgages

Business Description

Maciel Mortgage provides lending services to the people of Visalia and the surrounding cities. It assists clients looking for mortgage programs to refinance their existing loans, purchase new houses, or invest in new properties. Some of the programs it provides are conventional, FHA and FHA 203K, USDA, VA, and jumbo-home loans. The mortgage rate options available to borrowers include fixed-rate, adjustable-rate, and hybrid loans. The agency's mortgage professionals guide clients through the entire borrowing process.

License Verified:

License: 300305

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 (121)
Facebook
5.0 / 5 (26)
Yelp
5.0 / 5 (4)

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
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Maciel Mortgage

MAV Mortgage logo
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License Verified:

License: 1863420

Nationwide Multistate Licensing System and Registry

MAV Mortgage

755 North Peach Ave, Clovis, CA 93611
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  • New Construction
  • Reverse Mortgages

Business Description

MAV Mortgage is an independently owned and operated brokerage firm that serves individuals and families in Visalia and the surrounding areas. It offers refinance mortgage loans, which help reduce clients' loan terms or decrease their interest rates. These loans also assist clients with switching from adjustable-rate mortgages to fixed-rate mortgages. MAV Mortgage also offers various home purchase loans, including FHA, VA, and jumbo loans. Owner John Vartanian has more than a decade of industry experience.

License Verified:

License: 1863420

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 (87)

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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MAV Mortgage

New Era Services, Inc logo
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License Verified:

License: 1650936

Nationwide Multistate Licensing System and Registry

New Era Services, Inc

1340 Sierra St., Kingsburg, CA 93631
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  • New Construction
  • Reverse Mortgages

Business Description

New Era Services, Inc, is a full-service mortgage company catering to the mortgage refinancing needs of individuals in the Visalia metro and nearby cities. It offers refinancing programs on conventional loans for borrowers looking to cash out their home equity or get better interest rates and terms. They also help homebuyers find the best type of home loan for their specific needs and offer loan programs such as FHA, VA, USDA, conventional, and jumbo loans.

License Verified:

License: 1650936

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 (2)
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
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New Era Services, Inc

One Ray logo
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License Verified:

License: 212593

Nationwide Multistate Licensing System and Registry

One Ray

1702 E Bullard Ave Ste 104, Fresno, CA 93710
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  • New Construction

Business Description

One Ray offers its services to clients in Visalia and its neighboring areas. It offers home purchasing, reverse mortgage, and refinance services. The staff handles refinance matters such as underwater refinance, revisions of inclusion of people from the mortgage, name changes on the loan, and cash-out refinance. The company employs the aid of American Sign Language interpreters by appointment. Its owner and loan officer, Ray Jones, has accumulated more than 25 years of mortgage industry experience.

License Verified:

License: 212593

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 (13)
Yelp
5.0 / 5 (9)

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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One Ray

Rickelle Stockton logo
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License Verified:

License: 1729345

Nationwide Multistate Licensing System and Registry

Rickelle Stockton

1560 W Lacey Blvd Suite 105, Hanford, CA 93230
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  • New Construction

Business Description

Rickelle Stockton is a mortgage advisor who works with clients in the Visalia metro and the surrounding areas. She guides individuals into achieving their homeownership goals by offering mortgage refinancing options. She provides conventional and FHA loans, first-time homebuyer programs, and local and statewide down payment assistance programs. In addition, Stockton works as a VA home loan specialist, allowing her to serve military veterans and help them use their BAH as an investment in their future.

License Verified:

License: 1729345

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.
4.5
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Rickelle Stockton

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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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