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Best Mortgage Refinance Companies in West Covina

2024

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Providers

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

Why choose this provider?

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.

License Verified:

License: 377755

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)

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

Website
750 Terrado Plaza, Suite 114, Covina, CA 91723
  • Reverse Mortgages

Why choose this provider?

Futura Financial Inc. is a mortgage brokerage in Covina that offers services for financing, refinancing, and debt consolidation for mortgages in the nearby West Covina area. The company has been in the industry for more than 30 years. It was founded by Scott Wilson, a mortgage broker and expert in commercial finance and reverse mortgages. The firm's licensed brokers help clients apply for refinancing loans to obtain cash-out equity, lower monthly payments, drop private mortgage insurance, and consolidate debt.

License Verified:

License: 297869

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.
4.7
Yelp
5.0 / 5 (10)
Facebook
4.4 / 5 (8)
Google
4.7 / 5 (3)

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

Website
150 N. Grand Ave Suite 204, West Covina, CA 91791
  • New Construction

Why choose this provider?

California Mortgage Brokers Inc. assists West Covina clients with mortgage refinancing. It offers various refinance options that help local borrowers meet their investment and financial needs. Some of its refinancing programs are FHA streamline, FHA 203k, VA cash out, VA streamline, and USDA streamline. In addition to these offers, the company also provides niche programs, including Private Money, First Time Home Buyers, and Investment Properties. The agency specializes in helping people find loan programs with the lowest interest rates and closing costs. 

License Verified:

License: 1926998

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 (1)

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

Why choose this provider?

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.

License Verified:

License: 1420146

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 (94)
Yelp
5.0 / 5 (39)
Facebook
4.9 / 5 (34)

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

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

Why choose this provider?

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.

License Verified:

License: 249111

Nationwide Multistate Licensing System and Registry

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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.

License Verified:

License: 366955

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 (3)
Facebook
5.0 / 5 (1)
Yelp
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
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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.

License Verified:

License: 259997

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
4.3 / 5 (6)
Yelp
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
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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.

License Verified:

License: 238306

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
Facebook
4.9 / 5 (31)
Google
5.0 / 5 (6)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
100 N. Barranca Avenue, 7th Floor, West Covina, CA 91791
  • New Construction
  • Reverse Mortgages

Why choose this provider?

1st American Mortgage Corporation offers various refinancing loans to homeowners in West Covina and nearby areas. It offers refinancing programs for single-family and multi-family homes, as well as condominiums, townhouses, and manufactured homes. It provides cash-out options and rate-and-term solutions. It also assists those who want to purchase their homes via FHA, VA, jumbo, and conventional loans, as well as reverse mortgages. In addition, the company offers fixed rates, adjustable rates, interest only, and graduated payments loans.

License Verified:

License: 1167259

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 (6)
Yelp
5.0 / 5 (3)

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

Website
750 Terrado Plaza, Suite 114, Covina, CA 91723
  • Reverse Mortgages

Why choose this provider?

Reverse Mortgages Made EZ addresses the financing needs of clients in West Covina. It provides reverse mortgage solutions that help senior citizens access home equity to obtain funds. Its team offers fixed-rate and adjustable-rate mortgage options based on the client's situation and objectives. It also assists individuals in qualifying for a reverse mortgage. The company guides clients in refinancing their current loan program, purchasing residential properties, and consolidating debt. It has over 30 years of industry experience.

License Verified:

License: 297869

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.
4.7
Google
4.7 / 5 (3)

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

Website
100 N Citrus St, West Covina, CA 91791
  • Reverse Mortgages

Why choose this provider?

Prime Equity Mortgage is a full-service brokerage that has been catering to West Covina since 2010. Its team assists clients with refinancing their mortgages, which leads to lower payments and interest rates. Specializing in residential 1-4 units, it also offers both conforming and non-conforming loans. Prime Equity Mortgage is partnered with more than 300 wholesale banks. Its president, Andrew Quezada, is a member of the Los Angeles County Real Estate Investor's Association. The team has over four decades of collective industry experience.

License Verified:

License: 303978

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 (24)
Yelp
5.0 / 5 (14)

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

Frequently Asked Questions

  • 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 you refinance your mortgage loans even with a low credit score in West Covina?

    You can refinance a mortgage loan even with a low credit score in West Covina. You can opt for an FHA loan, which allows you to apply with a credit score below 700. This loan also offers you a lower monthly payment and interest rate. If you’re a military personnel or veteran, you can also consider refinancing your loans through VA loan options.

  • Can you pay your debts by refinancing your mortgage in West Covina?

    Refinancing your mortgage loans in West Covina helps you pay your debts, including medical bills, credit cards, and other loan balances. You can consider different mortgage refinancing programs, such as a cash-out refinance program that allows you to pay your initial mortgage while paying your debts using the remaining funds. Another option is the rate and term refinance, which offers a new loan with a longer term and lower interest rate, giving you extra funds to pay your debts.

  • What documents must you present before applying for a mortgage refinance in West Covina?

    To apply for a mortgage refinance in West Covina, submit original copies of your most recent pay stubs, income tax return for the previous two years, W-2 forms for the last two years, and assets and obligations information. Additionally, you must provide information about your current credit scores, bank accounts, proof of title insurance, and homeowners insurance.

  • What are the qualifications for FHA Streamline Refinance in West Covina?

    You must meet a few requirements before you qualify for an FHA Streamline Refinance loan in West Covina. These requirements include the following:

    • You must have an existing FHA loan.
    • You must have completed at least six months of payments for your current FHA loan.
    • You must not miss any payment on your FHA loan.
    • You must present a legitimate reason and have a Net Tangible Benefit from the refinance.
  • How long is the mortgage refinance process in West Covina?

    The timeline for processing your mortgage refinance loans in West Covina usually takes two to four weeks, depending on how long the appraisal is done or completed. To shorten your process, you can schedule a home appraisal and prepare your documents in advance before applying for a refinance loan.

  • 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.