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Best Mortgage Refinance Companies in Whittier

2024

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Website
3327 W. Beverly Blvd, Montebello, CA 90640
  • New Construction

Why choose this provider?

HL Home Loans offers services to clients in Whittier and the surrounding areas. It provides solutions to customers planning to refinance their current home loans. The company helps clients qualify for a VA streamline or FHA streamline refinance products. It also offers FHA 203k programs to customers who want to renovate their current residences. HL Home Loans has several mortgage rate options, including adjustable-rate, fixed-rate, interest-only, and graduated payment mortgages. Jumbo and USDA loan programs are also available.

License Verified:

License: 1085482

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)

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
15111 Whittier Blvd Suite 101-B, Whittier, CA 90603

Why choose this provider?

Encore Mortgage aims to help individuals consolidate debt and obtain low monthly payments through refinancing options in Whittier. It offers VA, FHA, USDA, jumbo, and conforming loans with terms ranging from five to 30 years. In addition, it has fixed-rate and adjustable-rate mortgages for first-time homebuyers and investors. Daniel Carrillo, the chief executive officer, has over 16 years of industry experience. He personally assists a diverse client base, including self-employed borrowers, firefighters, teachers, and medical workers.

License Verified:

License: 61382

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 (112)
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

Website
16224 Whittier Blvd, Whittier, CA 90603
  • Reverse Mortgages

Why choose this provider?

Liberty Bridge Financial is a Whittier-based company that deals with clients across the metro. It advises homeowners seeking to refinance their mortgages. The company takes into consideration the client's financial situation as part of its efforts to help them consolidate debt, decrease interest rates, or switch from an adjustable-rate program to a fixed-rate mortgage. It also deals with aspiring homeowners and provides a variety of mortgage options, ranging from FHA and VA programs to expanded loans.

License Verified:

License: 1532263

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 (52)
Yelp
4.0 / 5 (5)
Facebook
4.3 / 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
15820 Whittier Blvd Ste. G, Whittier, CA 90603
  • New Construction

Why choose this provider?

Allianze Mortgage provides loan refinancing options for clients in Whittier. This team of mortgage professionals helps refinance properties, including single and multi-family homes, condominiums, townhouses, and manufactured homes. It also guides clients who are wanting to cash out their equity for repairs. Allianze Mortgage has established its name in the lending industry for more than 34 years. It currently has over 30 loan officers and is a direct lender with Fannie Mae & Freddie Mac.

License Verified:

License: 346138

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.
4.6
Google
4.5 / 5 (14)
Facebook
4.8 / 5 (12)

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
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Website
18000 Pioneer Blvd #206, Artesia, CA 90701
  • New Construction
  • Reverse Mortgages

Why choose this provider?

My City Financial serves residents in Whittier who need various refinancing and loan solutions. The team restructures existing debts into less burdensome forms. Its mortgage options include products aimed at buyers of single-family houses and condominium units. The customer base includes buyers of vacation rentals and investment assets. The company has clients who have been with them since 1995. It maintains online resources and tools to inform the public about the most current market conditions.

License Verified:

License: 307431

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 (10)
Facebook
5.0 / 5 (8)

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
7007 Washington Ave. #301, Whittier, CA 90602
  • New Construction

Why choose this provider?

Legacy Capital Funding offers its selection of mortgage plans and refinancing programs to people in Whittier. Its application process involves comprehensive consultations that help clients identify their financial objectives in refinancing their loans, such as debt consolidation and monthly payment reduction. Its consultants process documents such as bank statements and assess each refinancer's income capabilities or credit situation as part of their evaluations. Legacy Capital Funding also educates people on local factors like interest rates to help them understand their mortgage options.

License Verified:

License: 1863965

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 (16)
Yelp
5.0 / 5 (8)

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
9317 Firestone Blvd., Downey, CA 90240
  • Reverse Mortgages

Why choose this provider?

Julian Lending is a mortgage loan and real estate consultancy catering to Whittier clients. The company handles different areas of mortgage lending, such as investment, purchase, construction borrowing, and refinancing. It offers various tools, including online updated interest rates available and shopping for loan programs, as well as the guidance of its live team of loan specialists. Julian Lending's clients include seasoned and new investors and first-time homebuyers. Chief loan officer Julian Martinez has more than a decade of experience, with an emphasis on residential mortgages.

License Verified:

License: 1283792

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 (26)
Google
5.0 / 5 (24)
Yelp
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
17700 Castleton Street Suite 383, City of Industry, CA 91748
  • Reverse Mortgages

Why choose this provider?

LendiHome is a mortgage brokerage firm serving clients in Whittier. The company provides refinance programs that enable borrowers to change their current loan terms, reduce monthly payments, or pay off their existing mortgage faster. Its mortgage brokers conduct a comprehensive property evaluation to assist clients in choosing the right refinancing loan from over 100 wholesale lenders. Some of its loan options include conventional, fixed-rate, Jumbo, FHA, and cash-out refinance. Jerry Torres, the company's president, brings over two decades of experience in the mortgage business.

License Verified:

License: 856170

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
Responsiveness
Friendliness
Helpfulness
Detail

Website
17220 Newhope Street, # 213, Fountain Valley, CA 92708
  • Reverse Mortgages

Why choose this provider?

The More Group is a full-service mortgage company that serves Whittier customers looking to purchase a new home or refinance a current loan. It handles multiple mortgage programs and offers various home loan options such as FHA, conventional, jumbo, and VA. Its team also conducts credit score analysis and creates strategic repair plans to help borrowers achieve the financial standing needed for their home goals. The More Group is available 24/7 to attend to its client's home loan needs.

License Verified:

License: 245420

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 (34)
Yelp
4.5 / 5 (12)
Facebook
5.0 / 5 (11)

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.
4.5
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.
  • What are the fees that usually come with mortgage refinancing in Whittier?

    There are various fees that usually come with mortgage refinancing in Whittier, such as application and origination fees. Application expenses range from $250 to $350, while origination costs are around 1% of the borrower’s loan amount. Other possible expenses include lender fees and title insurance and search costs.

  • What is an appropriate time for a borrower to apply for mortgage refinancing in Whittier?

    The appropriate time for a borrower in Whittier to apply for mortgage refinancing is when the potential rates are 2% lower than that of their existing loan. It is also a good time to refinance, even if the difference between the current and potential mortgage rates is only 1%. Furthermore, there should be at least a reduction to the amount of the borrower’s mortgage payments.

  • What are the reasons why borrowers in Whittier refinance their mortgage loans?

    There are various reasons why borrowers in Whittier refinance their mortgage loans, such as debt consolidation, loan term reduction, and change of mortgage program from a fixed rate to adjustable. It is also possible that said homeowners want to ensure their property’s equity or simply want to lower their interest rate.

  • What should be prepared by a borrower in Whittier who intends to refinance their mortgage loan?

    A lender may require a consumer in Whittier who intends to refinance their mortgage loan to prepare the same documentation as their initial closing. The homeowner may also be asked to prepare for another title search, inspection, appraisal, survey, and credit check. Additionally, the imposition of an origination fee may depend on the loan program for which the borrower applies.

  • Is it possible to recover extra money when refinancing a mortgage loan in Whittier?

    Yes, it is possible to recover extra money when refinancing a mortgage loan in Whittier. In a cash-out refinancing program, as long as the borrower has enough home equity, they can get a portion of it in the form of a lump sum after paying off the existing loan at closing.

  • 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.