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Best Mortgage Refinance Companies in West Covina

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Gateway Mortgage Group logo

Gateway Mortgage Group

800 S Barranca Ave, Ste 160, Covina, CA 91723
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  • Reverse Mortgages

Gateway Mortgage Group is a Covina-based company that serves clients throughout West Covina. It walks homeowners through the refinancing process and helps them achieve a variety of financial goals, ranging from debt consolidation to decreased interest rates. The company has assisted clients seeking to modify the terms of USDA, VA, or FHA loans. It also provides adjustable-rate and fixed-rate mortgage programs for aspiring homeowners. It runs a website that educates individuals on the documents needed to complete their loan applications.

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GEM Mortgage Covina logo

GEM Mortgage Covina

1270 East Garvey Street, Covina, CA 91724
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  • New Construction

GEM Mortgage Covina is a brokerage agency that serves clients in West Covina. It offers refinancing solutions to help clients reduce monthly payments and change mortgage rates. It provides fixed-rate and adjustable-rate mortgages for various loan types, including conventional, jumbo, FHA, and VA loans. GEM Mortgage Covina is a division of Golden Empire Mortgage and has been in service for over 20 years. It is headed by Howard Kootstra, who has over 35 years of lending industry experience.

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Jomar Financial Inc. logo

Jomar Financial Inc.

415 S. Glendora Avenue, Suite C, ​West Covina, CA 91790
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  • New Construction
  • Reverse Mortgages

Jomar Financial Inc. is a family-owned mortgage brokerage firm that assists clients throughout their homeownership in West Covina and the surrounding communities. Its mortgage professionals help those purchasing a new home or refinancing their existing properties, from finding the loan that best fits their financial situation to closing the loan. Owner Jose Gutierrez has been working in the real estate industry for more than 40 years. Former clients recommend the firm for responding quickly to their concerns.

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Prominent 1 Financial Group logo

Prominent 1 Financial Group

576 S. Barranca Ave., Covina, CA 91723
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  • New Construction

Prominent 1 Financial Group connects borrowers to mortgage lenders in West Covina. It guides homeowners and homebuyers through the refinancing process, which involves resolving credit score issues and choosing lenders that offer loan terms that match their needs. Its loan consultants offer various home financing options, such as rate-and-term, cash-out, and cash-in, as well as conventional and USDA loans. The brokerage also provides a mortgage calculator to help clients estimate potential expenses. Its owner, Bernadine Torres, has over 20 years of industry experience.

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Super Mortgage Brothers logo

Super Mortgage Brothers

1900 W. Garvey Ave S. #100, West Covina, CA 91790
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  • Reverse Mortgages

Super Mortgage Brothers handles refinancing services for clients in West Covina and the surrounding areas. The company has helped over 1,500 families finance new homes or refinance existing ones. It strives to emphasize family values and teamwork in providing solutions to clients' mortgage refinancing needs. In addition, its loan officers ask for clients' feedback and work to improve the process. Super Mortgage Brothers comprises team members who have over 25 years of experience in the industry.

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Team Carlos Flores logo

Team Carlos Flores

800 S. Barranca Avenue, Suite 270, Covina, CA 91723
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  • Reverse Mortgages

Team Carlos Flores of CrossCountry Mortgage caters to clients in West Covina and nearby areas. It assists individuals and families applying for a refinance loan for different purposes, such as adjusting mortgage rates and extending or reducing loan terms. The firm's loan officers evaluate the financial standing of potential borrowers and give recommendations. They also help clients achieve their financial goals by educating them and providing them with the necessary support. CrossCountry Mortgage started its operation in 2003.

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TRT Home Loans, Inc. logo

TRT Home Loans, Inc.

3110 E. Garvey Ave. South, West Covina, CA 91791
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  • New Construction
  • Reverse Mortgages

TRT Home Loans, Inc., provides refinancing services to individuals and families in West Covina and nearby communities. Its loan officers assist clients with obtaining low-interest rates, changing the terms of their loans, and calculating factors for their refinance plans. They also help borrowers buy homes by computing their purchasing power and offering programs customized to their unique criteria. The company provides a selection of loans, including VA, FHA, fixed rate, and adjustable-rate mortgages. It provides an online calculator to help clients make informed decisions.

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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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