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2024

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Best Mortgage Refinance Companies in Citrus Heights, CA

Our Recommended Top 12

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Citrus Heights Mortgage Refinance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

57Reviewed

39Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

2377 Gold Meadow Way, Gold River, CA 95670
WebsiteLicense: 1921463

Expertise.com Rating

Review Sources

Google
5.0 (14)
Facebook
5.0 (7)

Why choose this provider?

1 Stop Lending serves Citrus Heights residents, providing them with different mortgage options and refinancing services. The family-owned company helps first-time homebuyers and residential investors acquire tailored lending options, such as FHA and VA loans. Its mortgage professionals also serve homeowners, helping them refinance their current mortgages to lower their monthly payments or interest rate. Its staff is available for contact after regular operating hours and on the weekends. Owner Deseron Loessberg has been working in the mortgage industry since 2003.

  • New Construction

2281 Lava Ridge Ct Ste 130, Roseville, CA 95661
WebsiteLicense: 1852295

Expertise.com Rating

Review Sources

Google
5.0 (114)
Facebook
5.0 (46)

Why choose this provider?

Better Rate Mortgage caters to clients in and around Citrus Heights. It helps homeowners improve their financial future by refinancing an existing home loan. The refinancing program allows borrowers to shorten their loan terms, adjust interest rates, and cash out equity. The firm's mortgage specialists assist clients in finding an offer that best fits their needs by leveraging technology and automated tools, such as a refinancing rate checker. Better Rate Mortgage operates another office in Michigan.

  • New Construction

5530 Birdcage Street Suite 110, Citrus Heights, CA 95610
WebsiteLicense: 1477

Expertise.com Rating

Review Sources

Google
5.0 (34)
Facebook
5.0 (7)
Yelp
5.0 (3)

Why choose this provider?

Coastal Pacific Mortgage is a division of Pacific Residential Mortgage, LLC, offering to refinance clients' properties in Citrus Heights. The company provides refinancing solutions for clients in need to lower current interest rates, reduce loan terms or switch from an ARM to FRM. It also caters to a wide range of loan programs including construction, home equity, FHA, VA, and reverse mortgage. Its goal is to provide clients with guidance with each step in the process and allow them to choose a mortgage solution that suits their needs.

  • New Construction

1687 Eureka Rd, Suite 100, Roseville, CA 95661
WebsiteLicense: 1907235

Expertise.com Rating

Review Sources

Google
5.0 (95)
Facebook
5.0 (76)
Yelp
5.0 (1)

Why choose this provider?

Partners Mortgage, a division of Synergy One Lending, serves customers in Citrus Heights. The firm has been in business for over 29 years, addressing the needs of individuals refinancing a loan or an existing mortgage. Its refinancing services enable borrowers to shorten their terms and consolidate their debt. It also provides loan programs to customers purchasing a home and has closed over 45,000 loan transactions. The firm established Partners For a Cure, a fundraising event for the Leukemia & Lymphoma Society.

  • New Construction
  • Reverse Mortgages

1687 Eureka Rd, Suite 100, Roseville, CA 95661
WebsiteLicense: 209736

Expertise.com Rating

Review Sources

Google
5.0 (38)
Facebook
4.9 (17)

Why choose this provider?

The MVB Team assists individuals and families in Citrus Heights throughout their homeownership journey. Its team of loan professionals draws over 65 years of collective experience in helping clients refinance their existing homes and purchase new properties. They work under Partners Mortgage to provide multiple programs, including FHA, hybrid ARM, and VA loans. Senior loan officer Matt Von Bergen has been in the mortgage industry for more than 15 years. He has closed over 2,000 home loan applications.

  • New Construction
  • Reverse Mortgages

6300 Garfield Ave, STE 100, Sacramento, CA 95841
WebsiteLicense: 308154

Expertise.com Rating

Review Sources

Google
4.9 (24)

Why choose this provider?

Prime Time Mortgage Corp. focuses on assisting clients in Citrus Heights with various loans, including VA, FHA, and conventional options. The company offers to refinance a selection of property types, such as manufactured houses, townhomes, condos, multi-family, and single-family homes. It also provides hybrid ARM mortgages to homeowners who need refinancing as their initial term expires. Prime Time Mortgage was founded in Sacramento in 2015. It works in partnership with its top 10 lending peers in the country.

  • New Construction

925 Highland Pointe Dr. Suite 330, Roseville, CA 95678
WebsiteLicense: 1404205

Expertise.com Rating

Review Sources

Google
4.9 (70)
Facebook
4.8 (34)

Why choose this provider?

Point Equity is a mortgage brokerage firm serving Citrus Heights. The company offers mortgage refinance programs that can help clients improve their financial situation. Its mortgage consultants provide tools and resources to help borrowers determine whether refinancing their current mortgages works best for their specific needs. The company—which also offers home purchase loans—believes that success should be measured by the level of financial and decision-making empowerment it provides to local communities, rather than by profit and loss statements.

  • New Construction

3017 Douglas Boulevard, Suite 300, Roseville, CA 95661
WebsiteLicense: 2135762

Expertise.com Rating

Review Sources

Google
5.0 (48)
Facebook
5.0 (20)

Why choose this provider?

Merrill Home Loans Corporation is a mortgage company handling refinancing solutions for its client in Citrus Heights. Its goal with refinancing is to decrease interest rates or change the length of terms of clients' existing loans. Mortgage officer and owner Josh Merrill offers clients a refinancing analysis and provides them with different loan options. The company caters to jumbo and super jumbo loans, FHA, VA, and USDA loans. With over 15 years of industry experience, Josh has assisted over 1,900 families with their mortgage needs.

  • New Construction

2281 Lava Ridge Court, Roseville, CA 95661
WebsiteLicense: 281056

Expertise.com Rating

Review Sources

Google
5.0 (25)
Facebook
5.0 (21)
Yelp
4.5 (14)

Why choose this provider?

Amy Debusk is a mortgage advisor who guides Citrus Heights individuals and families through the homebuying or refinancing process. She and her team at Finance of America Mortgage connect clients to lending products that benefit their investments and meet their goals. They custom-tailor programs for clients looking to purchase their dream homes, planning to remodel an existing home, or seeking reverse mortgage options. Debusk has been working in the lending industry for over 20 years.

  • Reverse Mortgages

3013 Douglas Boulevard Suite 135, Roseville, CA 95661
WebsiteLicense: 236492

Expertise.com Rating

Review Sources

Facebook
4.7 (110)
Google
4.2 (85)
Yelp
4.0 (76)

Why choose this provider?

Catalyst Mortgage serves residents in Citrus Heights who need refinancing and loan solutions. The crew examines a customer's existing obligations and rearranges these into more manageable forms with less burdensome terms and conditions. Its purchase and restructuring options include those with fixed terms ranging from a decade to three, as well as FHA-backed plans subsidized by the government. CEO and president Brandon Haefele takes a creative approach when transacting with homebuyers and addressing their needs.

  • New Construction

101 Parkshore Dr. #100, Folsom, CA 95630
WebsiteLicense: 57425

Expertise.com Rating

Review Sources

Facebook
5.0 (21)
Google
5.0 (14)

Why choose this provider?

Home Loans California is an independent broker that lists the Citrus Heights metro as one of its service areas. The company helps mortgage borrowers planning to apply for refinancing to pull out cash, shorten loan terms, or reduce monthly payments. Its team of professionals aids homeowners in evaluating their options, analyzing the overall financial picture, and applying to programs suited to their needs. Managing partner Joe Alves has been serving the community for over 18 years.

  • New Construction

7806 Uplands Way, Citrus Heights, CA 95610
WebsiteLicense: 390962

Expertise.com Rating

Review Sources

Facebook
4.8 (26)
Google
4.0 (4)
Yelp
5.0 (2)

Why choose this provider?

Family First Mortgage Group serves Citrus Heights residents. It offers refinancing and purchase loans, including FHA, VA, conventional, and USDA loans. The mortgage broker focuses on transparency and the client's financial health. Its team educates the client on how each aspect of their mortgage works, such as the interest rate, to help ensure that they make this important financial decision with confidence. The company was recognized by UWM as a Top 1% Lender in California. It is also a Platinum Club Lender of Rocket Mortgage.

  • Reverse Mortgages

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
1 Stop Lending
2377 Gold Meadow Way, Gold River, CA 95670
Better Rate Mortgage
2281 Lava Ridge Ct Ste 130, Roseville, CA 95661
Coastal Pacific Mortgage
5530 Birdcage Street Suite 110, Citrus Heights, CA 95610
Partners Mortgage
1687 Eureka Rd, Suite 100, Roseville, CA 95661
The MVB Team
1687 Eureka Rd, Suite 100, Roseville, CA 95661
Prime Time Mortgage Corp.
6300 Garfield Ave, STE 100, Sacramento, CA 95841
Point Equity
925 Highland Pointe Dr. Suite 330, Roseville, CA 95678
Merrill Home Loans Corporation
3017 Douglas Boulevard, Suite 300, Roseville, CA 95661
Amy Debusk
2281 Lava Ridge Court, Roseville, CA 95661
Catalyst Mortgage
3013 Douglas Boulevard Suite 135, Roseville, CA 95661
Home Loans California
101 Parkshore Dr. #100, Folsom, CA 95630
Family First Mortgage Group
7806 Uplands Way, Citrus Heights, CA 95610

FAQs

  • 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 one refinance a non-conforming loan in Citrus Heights?

    Yes, Citrus Heights homeowners can refinance non-conforming loans or mortgages that do not comply with Fannie Mae or Freddie Mac guidelines. Refinancing to a non-conforming loan at the appropriate time enables individuals to obtain cheaper interest rates or switch to a conforming loan that matches their specific needs. However, it's essential to note that compliance with the refinance lender's specific standards is required.

  • Can refinancing eliminate PMI for homeowners in Citrus Heights?

    Yes, Citrus Heights homeowners paying PMI may eradicate it by refinancing. Private Mortgage Insurance (PMI) is mandatory for borrowers with less than 20% down payment and a loan-to-value ratio above 80%. PMI removal may occur if the home's value has increased and the current mortgage balance is less than 80% of the property's value. Exceptionally, those converting a non-VA loan through the refinance process and eligible for a VA loan can abolish PMI independent of the home's current valuation.

  • What costs must homeowners in Citrus Heights evaluate when looking to refinance their homes?

    Homeowners in Citrus Heights looking to refinance their homes must evaluate the standard expenditures associated with this process, including loan processing, escrow, origination, appraisal, and title fees. Balancing expenses against benefits is essential to decide if refinancing is an optimal choice. Borrowers may alleviate immediate out-of-pocket expenses through lender credit or incorporating the charges into the new mortgage.

  • What refinancing terms are available to homeowners in Citrus Heights?

    Citrus Heights homeowners have various refinancing term options, such as fixed terms of 30, 20, and 15 years, along with adjustable-rate mortgages like the 7/1 ARM. The 7/1 adjustable-rate mortgage stands out, presenting a reduced interest rate compared to a 30-year fixed term and an extended fixed-rate period than the 5/1 ARM, thereby facilitating higher monthly savings.

  • What happens when Citrus Heights homeowners refinance their mortgage too soon?

    When Citrus Heights homeowners refinance their mortgage too soon, they may encounter several drawbacks. The costs associated with refinancing, including appraisal and processing fees, could offset the potential savings from low-interest rates. Their credit score might temporarily drop due to the added debt and hard credit inquiry. Additionally, they may be subject to early payoff penalties, depending on the original loan terms. It's essential to weigh these factors before refinancing quickly.

  • 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.