Expertise.com Homepage

2024

Last updated:

Best Mortgage Refinance Companies in Fresno, CA

Our Recommended Top 18

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Fresno 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.

266Reviewed

166Curated

18Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1702 East Bullard Ave, Suite #104, Fresno, CA 93710
WebsiteLicense: 212593

Expertise.com Rating

Review Sources

Google
5.0 (11)
Yelp
5.0 (9)

Why choose this provider?

Oneray - Onetrust Home Loans is a mortgage refinance company founded in 1994. It serves individuals and business owners in Fresno and the surrounding areas. The firm specializes in senior mortgage refinance, investment and condominium purchase, second home mortgage, equity transfer bridge, and construction loan. Its team also helps clients obtain conventional, jumbo, super jumbo, VA, FHA, and USDA loans. The company's loan advisor, Ray Jones, has been providing mortgage services for more than two decades.

  • Reverse Mortgages

1702 E Bullard Ave Suite 104, Fresno, CA 93710
WebsiteLicense: 46375

Expertise.com Rating

Review Sources

Facebook
4.7 (165)

Why choose this provider?

OneTrust Home Loans has been catering to the mortgage needs of clients in the Fresno metro since 1994. The brokerage firm assists homebuyers in getting loan programs and options suitable for their needs. Its brokers help clients interested in refinancing their existing loan programs and offer customized programs tailored for vacationers and investors. The firm was recognized in 5000 of America's Fastest-Growing Private Companies by Inc. Magazine and Top Workplaces by The San Diego Union-Tribune.

  • Reverse Mortgages

7485 North Palm Avenue, Fresno, CA 93711
WebsiteLicense: 938569

Expertise.com Rating

Review Sources

Yelp
4.5 (6)
Facebook
4.8 (1)

Why choose this provider?

Caleb Parmenter is a loan officer who works for Big Valley Mortgage, a mortgage refinance company in Fresno, California. He is dedicated to helping clients meet their financing needs by providing mortgage loan solutions such as home purchase and refinance loans, FHA loans, and home equity loans. He also offers jumbo loans for clients with good credit and VA loans for past and present members of the military. While Caleb is based in Fresno, he extends his services throughout the rest of California.

  • Reverse Mortgages
  • NMLS #: 39166

3230 East Broadway Road, Suite B-220, Phoenix, AZ 85040
WebsiteLicense: 1951574

Expertise.com Rating

Review Sources

Google
5.0 (597)
Facebook
5.0 (91)
Yelp
5.0 (6)

Why choose this provider?

Agave Home Loans helps Fresno-based property owners with their mortgage refinancing needs. This independent company assists clients in achieving their financial goals—paying off higher interest debts or paying for college tuition—by finding lenders who offer the lowest interest rates. Its staff members also negotiate on their clients' behalf for the best possible terms. They educate customers about the processes to help them make informed decisions. The company's co-owner, Doug Wang, has over seven years of experience in the mortgage industry.

  • Multi-Family Loans

516 W. Shaw Ave #200, Fresno, CA 93704
WebsiteLicense: 263450

Expertise.com Rating

Review Sources

Facebook
5.0 (57)

Why choose this provider?

Sierra Mortgage serves families and individuals in Fresno. It draws from over 20 years of experience in searching for suitable solutions to various home financing situations. The company caters to clients looking to purchase a single-family home, multi-family unit, townhouse, or condominium. Its mortgage options include FHA, jumbo, USDA, and VA loans. There are also adjustable-rate, fixed-rate, and location-efficient mortgages, as well as FICO 580 and specialty loan programs. In addition, Sierra Mortgage caters to those who need refinancing assistance.

  • Multi-Family Loans

7082 North Maple Avenue, Fresno, CA 93720
WebsiteLicense: 235952

Expertise.com Rating

Review Sources

Facebook
5.0 (4)
Google
5.0 (2)
Yelp
1.0 (1)

Why choose this provider?

Valley Wide Homes is a full-service real estate & mortgage brokerage firm headquartered in Fresno. It has over 23 years of experience providing mortgage and refinance services in the state of California. The company specializes in home purchase loans, refinance, home equity, and cash-out home loans. it also aids with investment property purchase, jumbo home loans, VA loans, and reverse mortgage loans. Valley Wide Homes protects customer privacy by ensuring all information provided is kept safe and confidential.

  • Reverse Mortgages
  • New Construction
  • Multi-Family Loans

7050 N Fresno St, Fresno, CA 93720
WebsiteLicense: 244685

Expertise.com Rating

Review Sources

Google
5.0 (73)
Facebook
5.0 (20)
Yelp
5.0 (6)

Why choose this provider?

Kurt Goetz is a Fresno-based senior loan officer and branch manager affiliated with NEXA Mortgage. He assists clients throughout any mortgage refinancing process, from conducting thorough refinance analysis procedures to comparing mortgage interest terms and rates. He also helps clients with other loan needs by providing other options that include FHA, VA, and jumbo loans. Goetz has more than 17 years of experience in the industry and utilizes a personalized approach when dealing with his clients.

  • New Construction

1300 East Shaw Avenue, Fresno, CA 93710
WebsiteLicense: 276908

Expertise.com Rating

Review Sources

Google
5.0 (11)

Why choose this provider?

Craig Simmons is a mortgage and real estate finance expert representing Cherry Creek Mortgage. He manages the company's Fresno branch and has been helping clients find the right financing option for over 17 years. He aims to provide a personable approach to his clients while also focusing on clear communication during the application process. He helps clients get their credit ratings fixed through financing programs that reduce monthly rates and create additional cash flow for savings.

  • New Construction

6795 N. Palm, Suite 101, Fresno, CA 93711
WebsiteLicense: 244800

Expertise.com Rating

Why choose this provider?

Vero Mortgage is a company that caters to property buyers in the Fresno area and the surrounding communities. It offers an array of loan programs to help families and individuals achieve their dream homes. The business provides jumbo, conventional fixed-rate, adjustable-rate, FHA, VA, and reverse mortgage loans. Its loan officers also assist clients in obtaining home equity and refinance mortgage loan programs. In addition, they process the needed title, appraisal, and credit reports, which include customers' identifying and employment information.

  • Multi-Family Loans

4244 West Mineral King Avenue, Visalia, CA 93291
WebsiteLicense: 264441

Expertise.com Rating

Review Sources

Facebook
5.0 (3)

Why choose this provider?

Serving Fresno and the surrounding areas, Kings Mortgage Services, Inc., offers home purchase and refinance loan programs to help clients with homeownership. It provides major loan options approved with local down payment assistance programs. These include USDA, FHA, VA, jumbo, conventional, and construction loan programs. Kings Mortgage Services, Inc., is a full-service mortgage banker founded in 1997. Its owners, Pam Raeber, Dale Ransdell, and Darren Ransdell have many years of combined experience in the mortgage industry.

  • New Construction

2520 W Shaw Ln. Suite 101D, Fresno, CA 93711

Expertise.com Rating

Review Sources

Facebook
5.0 (21)
Google
4.3 (18)
Yelp
1.0 (1)

Why choose this provider?

Xander Mortgage caters to clients in Fresno and the surrounding areas. Its specialists assist people who are looking for mortgage programs to purchase a new house or refinance their current loans. Their mortgage options include FHA, VA, conventional, and commercial loans. The company's financing offerings cover various individual property types, including private homes, vacation houses, and commercial real estate. Loan term modification assistance is also available. Xander Mortgage has been in the industry since 2018.

  • New Construction

6440 North Maroa Avenue, Fresno, CA 93704
WebsiteLicense: 330426

Expertise.com Rating

Why choose this provider?

Royal Charter Mortgage is a mortgage brokerage company based in Fresno. With direct access to lenders from local to national level, this company supports home buyers looking into refinancing their current mortgage. Along the process, its team of broker and loan specialists assists clients in finding a suitable loan program with optional features such as varying interest rates, terms, and mortgage insurance. With an automated approval system, clients may receive a pre-approval on the spot.

  • Reverse Mortgages
  • NMLS #: 39166

7555 N Palm Ave Suite 105, Fresno, CA 93711
WebsiteLicense: 271603

Expertise.com Rating

Review Sources

Google
5.0 (711)
Yelp
4.5 (36)
Facebook
4.5 (30)

Why choose this provider?

Alameda Mortgage Corp. is a family-owned and family-operated business that has been serving clients in Fresno since its establishment in 1968. It assists those who are interested in refinancing a property. Its staff accommodates clients in the loan process and provides a personalized consultation for clients' to meet their financial goals. In addition, the company offers FHA, VA, DPA, Jumbo, and ARM loans, as well as fixed-rate mortgages. Borrowers can also take advantage of USDA financing.

  • Multi-Family Loans

516 W. Shaw Ave. Ste. 200, Fresno, CA 93704
WebsiteLicense: 1488155

Expertise.com Rating

Review Sources

Facebook
5.0 (35)
Google
5.0 (13)

Why choose this provider?

Established in 2014, Mayu Capital Lending serves commercial and residential property owners and investors in Fresno. The company offers various loan types, such as FHA, conventional, VA, and hard money loans. It also assists homeowners with different property types, including tri-plex, condominiums, duplex, and single-family residences. Founder Eric Mayu has been working in the field for more than 11 years. He collaborates with private money financiers, investors, and banks in guiding first-time homebuyers throughout the process of home buying and refinancing.

  • New Construction

2585 East Perrin Avenue, Fresno, CA 93720
WebsiteLicense: 1296277

Expertise.com Rating

Review Sources

Facebook
5.0 (163)

Why choose this provider?

Established in 1997, Zabe Mortgage Group is a business that assists clients throughout the mortgage process. Its Fresno location can help local clients in refinancing their mortgage by either streamlining the mortgage to lower the interest rate or restructuring the loan in a cash-out refinance. Its loan officers can handle refinancing and applying for conventional, FHA, and VA loans. Partners Audel Avila and Fidel Dorado have over 25 years of experience in the mortgage industry.

  • Reverse Mortgages

653 W. Fallbrook Ave. Suite 102, Fresno, CA 93711
WebsiteLicense: 271603

Expertise.com Rating

Why choose this provider?

With three locations throughout California, Precision Home Loans caters to clients in the Fresno area and the neighboring communities. The locally owned and operated company provides residential properties with a variety of loan options, such as a fixed-rate mortgage, DPA, FHA, ARM, Jumbo, and USDA. Its home loan process goes through six steps: consultation, pre-approval, appraisal, underwriting, approval, and closing. Precision Home Loans has been addressing mortgage concerns for more than five decades under its parent company, Alameda Mortgage Corporation.

  • Reverse Mortgages

7067 N Mariposa St. Suite 105, Fresno, CA 93720
WebsiteLicense: 237633

Expertise.com Rating

Review Sources

Google
4.9 (34)
Yelp
4.2 (5)

Why choose this provider?

L.O.A.N. Services, Inc., provides financial solutions to clients in Fresno. It helps owners of different types of residential properties, like manufactured homes, townhouses, and condominiums, through the process of mortgage refinancing. The company helps clients with issues involving various loan programs, including U.S.D.A., F.H.A., VA, and jumbo loans. It also guides homebuyers on matters like debt-to-income ratio and FICO credit scores. To further educate clients on mortgages, the company maintains a website that contains resources on the loan process.

  • New Construction

548 W Cromwell Avenue, Suite 104, Fresno, CA 93711
WebsiteLicense: 847445

Expertise.com Rating

Review Sources

Facebook
4.8 (57)
Google
5.0 (5)
Yelp
5.0 (2)

Why choose this provider?

Gold Standard Mortgage provides assistance to families in Fresno in acquiring their dream homes. Its team helps clients looking to buy or refinance a residential property. The company offers different types of mortgage products, including FHA, USDA, VA, and conventional and construction loans. The family-founded business aims to guide clients in getting the right loan program for their needs. The branch manager, Constance Griggs-Lazzeroni, has been in the mortgage industry for more than 20 years.

  • New Construction

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
Oneray - Onetrust Home Loans
1702 East Bullard Ave, Suite #104, Fresno, CA 93710
OneTrust Home Loans
1702 E Bullard Ave Suite 104, Fresno, CA 93710
Caleb Parmenter
7485 North Palm Avenue, Fresno, CA 93711
Agave Home Loans
3230 East Broadway Road, Suite B-220, Phoenix, AZ 85040
Sierra Mortgage
516 W. Shaw Ave #200, Fresno, CA 93704
Valley Wide Homes
7082 North Maple Avenue, Fresno, CA 93720
Kurt Goetz
7050 N Fresno St, Fresno, CA 93720
Craig Simons
1300 East Shaw Avenue, Fresno, CA 93710
Vero Mortgage
6795 N. Palm, Suite 101, Fresno, CA 93711
Kings Mortgage Services, Inc.
4244 West Mineral King Avenue, Visalia, CA 93291
Xander Mortgage
2520 W Shaw Ln. Suite 101D, Fresno, CA 93711
Royal Charter Mortgage
6440 North Maroa Avenue, Fresno, CA 93704
Alameda Mortgage Corporation
7555 N Palm Ave Suite 105, Fresno, CA 93711
Mayu Capital Lending
516 W. Shaw Ave. Ste. 200, Fresno, CA 93704
Zabe Mortgage Group - Fresno
2585 East Perrin Avenue, Fresno, CA 93720
Precision Home Loans
653 W. Fallbrook Ave. Suite 102, Fresno, CA 93711
L.O.A.N. Services, Inc.
7067 N Mariposa St. Suite 105, Fresno, CA 93720
Gold Standard Mortgage
548 W Cromwell Avenue, Suite 104, Fresno, CA 93711

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.
  • What factors are considered by lenders for homeowners in Fresno to qualify for a refinance?

    For homeowners in Fresno to be eligible for a refinance, lenders scrutinize three vital elements. Primarily, a minimum of 20% equity in the home is required, possibly necessitating extra mortgage payments to reach this threshold. Additionally, lenders evaluate job and income stability, preferring applicants who are not living paycheck to paycheck and do not have emergency funds. Maintaining a robust credit score is essential, potentially needing improvement or governmental assistance such as FHA.

  • Is a no-cost refinance with a slightly lower rate beneficial for homeowners in Fresno?

    Yes, for homeowners in Fresno, a no-cost refinance at a slightly lower rate can be profitable. They can save significant interest and reduce their loan term by obtaining a modestly reduced rate and maintaining their original monthly payment. This approach empowers property owners to leverage reduced rates without lengthening their loan duration, potentially resulting in notable savings over time.

  • What refinancing options are available for self-employed individuals in Fresno?

    In Fresno, self-employed individuals have access to refinancing options such as bank statement cash-out refinance. This alternative lending method is tailored for entrepreneurs and small business owners who may find conventional loans challenging. By considering bank deposits instead of adjusted gross income, these loans offer up to $5 million, can lend up to 85% of home value, and require no mortgage insurance, enabling self-employed homeowners to tap into low-cost capital effectively.

  • How can homeowners in Fresno determine if refinancing will save them money?

    Homeowners in Fresno can discern if refinancing is financially beneficial by computing the overall cost and dividing it by the monthly savings. This calculation yields the "break-even" period, indicating the time it takes to recoup the refinancing costs. If planning to retain the property longer than this period, refinancing may lead to savings. Given the complexity of this decision, consulting a mortgage expert is recommended.

  • Why do homeowners in Fresno consider refinancing their homes?

    Homeowners in Fresno typically opt for refinancing for various reasons. A significant motivating factor is the aim to lower monthly mortgage payments through a reduced interest rate. Many wish to expedite their mortgage payoff by reducing its term. Meanwhile, some individuals desire to tap into their property's equity through a "cash-out" refinancing strategy. Recognizing one's chief objective for refinancing is essential before proceeding.

  • 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.