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Best Mortgage Refinance Companies in Hemet, CA

Our Recommended Top 13

We did the research for you!

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

56Reviewed

38Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

24816 Morning Mist Dr, Moreno Valley, CA 92557
WebsiteLicense: 1675089

Expertise.com Rating

Review Sources

Google
4.9 (8)

Why choose this provider?

The Phoenix Man Financials caters to clients in Hemet and the surrounding areas. Its mortgage advisors help homeowners who wish to fund their outstanding loans through refinancing, which allows them to modify terms and interest rates. They also assist individuals and families applying for a home-purchasing loan program. They guide clients in selecting from the loan programs available, which may cover properties like townhouses, condominiums, and single- or multi-family homes. The firm also provides real estate selling and buying assistance.

  • New Construction

25185 Madison Avenue, Suite A, Murrieta, CA 92562
WebsiteLicense: 953720

Expertise.com Rating

Review Sources

Google
5.0 (13)
Facebook
5.0 (13)

Why choose this provider?

HomeSight Mortgage is a local brokerage company that serves clients in Hemet and the surrounding communities. It offers home refinance loan options based on the unique criteria and needs of borrowers, including jumbo, super jumbo, FHA, VA, and USDA programs with loan terms from five to 30 years. It assists clients in comparing interest rates and terms. HomeSight Mortgage has been in the business for over 23 years. HomeSight Mortgage founder Paul Williams is also a real estate veteran.

  • Reverse Mortgages

39252 Winchester Rd., Ste. 107-449, Murrieta, CA 92563
WebsiteLicense: 389986

Expertise.com Rating

Review Sources

Facebook
5.0 (9)

Why choose this provider?

Luxe Lending provides home financing solutions for residents in and around the Hemet area. The agency caters to different types of individuals, including borrowers who are looking to change loan rates or terms, switch from an adjustable to a fixed-rate mortgage, consolidate debts, renovate a property, and drop PMI payment plans. Its loan programs include conventional, jumbo, reverse, and government-insured options. Founder Brent Hawkins has over two decades of experience as a real estate and mortgage broker.

  • New Construction
  • Reverse Mortgages

1715 Boysen Way, Beaumont, CA 92223
WebsiteLicense: 1112458

Expertise.com Rating

Review Sources

Google
5.0 (7)

Why choose this provider?

Clear Lending Solutions caters to people throughout the Hemet community and the neighboring areas. It enables individuals to refinance their existing mortgage loans to lower their interest rates and monthly payments, helping them improve their financial situations. These refinancing loan options are also available for homeowners needing funds for property improvement or debt payments. In addition to offering refinance services, its team helps clients apply for mortgage loans to purchase condominium units, townhouses, manufactured homes, and single- and multi-family units.

  • New Construction

Hemet, CA
WebsiteLicense: 253868

Expertise.com Rating

Why choose this provider?

Christy Silva is a mortgage broker at Miller Financial, Inc., serving Hemet residents. Christy helps homeowners get mortgage refinancing for various goals, from lowering interest rates and monthly payments to drawing cash from their home's equity. She helps clients evaluate the differences between loan programs, so they can be confident in their mortgage choice. Christy also works with Realtors and homebuyers on FHA, VA, conventional, and jumbo loans. She has over 20 years of real estate industry experience, including loan origination and home sales.

  • New Construction
  • Reverse Mortgages

25096 Jefferson Ave, Murrieta, CA 92562
WebsiteLicense: 1740426

Expertise.com Rating

Review Sources

Yelp
5.0 (1)

Why choose this provider?

NexGen Mortgage serves clients in the Hemet metro and the surrounding areas. It works with homeowners who are thinking of refinancing their mortgages, helping them save more money and get lower monthly rates. Its loan options include adjustable- and conventional fixed-rate, construction, home equity, FHA, jumbo, and VA loans. It also offers reverse mortgages for homeowners who are 65 and older. The team walks the customers through the process, including pre-qualification, application, underwriting, closing, and summation.

  • Reverse Mortgages

28364 Vincent Moraga Drive Suite A, Temecula, CA 92590
WebsiteLicense: 33418

Expertise.com Rating

Review Sources

Facebook
5.0 (7)
Google
5.0 (5)

Why choose this provider?

Top Gun Home Loans provides refinancing opportunities to the community of Hemet. It helps people determine the differences among various loan programs and provides personalized mortgage and refinance products that match their goals. The company works to make the process of home refinancing easier for clients by offering expertise and tools that help guide them, including the provision of refinance analyses. Its team also provides loans for home buyers. The business is powered by C2 Financial Corporation.

  • Reverse Mortgages

Hemet, CA
WebsiteLicense: 932287

Expertise.com Rating

Why choose this provider?

Summit Home & Lending provides mortgage refinance solutions for clients in the Hemet metro. It caters to homeowners who want to refinance their existing mortgages to lower their interest rates, reduce their monthly payments, or shorten their loan terms. The agency works with a network of more than 40 lenders to find the best loan to suit each client's specific needs, offering options such as FHA 203(k), FHA, VA, jumbo, and conventional loans. Summit Home & Lending also serves clients throughout the rest of California.

  • Reverse Mortgages

31290 Windstone Drive, Winchester, CA 92596
WebsiteLicense: 1772026

Expertise.com Rating

Review Sources

Facebook
5.0 (5)

Why choose this provider?

Gravity Mortgage assists Hemet residents in lowering their interest rates and changing the duration of their mortgages through refinancing. Its loan officers compare loans and terms from various financial institutions to identify solutions that meet the unique financial needs of borrowers. In addition, they adhere to transparency when guiding clients through the mortgage process to help them make informed decisions and avoid common mortgage mistakes. Gravity Mortgage has a centralized portal that makes submitting and uploading documents simple.

  • New Construction

38625 Calistoga Drive Suite 200, Murrieta, CA 92563
WebsiteLicense: 235872

Expertise.com Rating

Why choose this provider?

Guy Campbell is a mortgage professional with Patriot Pacific Financial Corp, serving customers in the Hemet metro and nearby areas. He offers mortgage refinancing solutions that help make payments manageable through lower interest rates or provide home equity cash out. He offers conforming, jumbo, FHA, VA, and USDA loans. Campbell is the VP of Lending and creates custom-tailored mortgage solutions based on clients' profiles and financial goals, may they be first-time homebuyers or seasoned investors.

  • Reverse Mortgages

1758 Orange Tree Ln, Suite A, Redlands, CA 92374
WebsiteLicense: 1745403
Website

Expertise.com Rating

Review Sources

Facebook
5.0 (10)

Why choose this provider?

Steven Burns is a mortgage broker at Primary Mortgage Resource who assists clients in Hemet. He guides clients through the process of home purchasing and refinancing. Steven conducts property assessments to help clients gauge potential loan terms. He has different loan programs, like fixed, adjustable, and reverse. He also offers FHA, VA, jumbo, and 203k loans. He started his mortgage journey in 201,6, and after gaining the knowledge he needed, Steven and his father partnered to open the company.

  • New Construction

41197 Golden Gate Cir, Murrieta, CA 92562
WebsiteLicense: 1631472

Expertise.com Rating

Review Sources

Google
5.0 (22)

Why choose this provider?

1st Choice Home Loans is a brokerage that provides solutions to the refinancing needs of borrowers in Hemet and the neighboring areas. Working with multiple lenders, its mortgage professionals search for loan programs to help homeowners save time and money. They guide mortgage borrowers in accomplishing refinancing transactions, starting from comparison shopping and application to underwriting and closing. In addition, the company performs refinance cash-out solutions by deploying benefit calculators, amortization estimators, and automated pre-approvals.

  • New Construction

1656 Hibiscus Ct, Beaumont, CA 92223
WebsiteLicense: 276612

Expertise.com Rating

Why choose this provider?

Isosceles Mortgage offers solutions to the home loan needs of customers in the Hemet metro. It provides mortgage refinance options for clients who are planning to cash out or lower their rates and terms. It has loan refinancing programs such as VA streamline, VA cash out, FHA cash out, and FHA streamline. The company also has jumbo and FHA reverse mortgage programs for purchase and refinance. Isosceles Mortgage is a subsidiary of West One Capital Group.

  • New Construction

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
The Phoenix Man Financials
24816 Morning Mist Dr, Moreno Valley, CA 92557
HomeSight Mortgage
25185 Madison Avenue, Suite A, Murrieta, CA 92562
Luxe Lending
39252 Winchester Rd., Ste. 107-449, Murrieta, CA 92563
Clear Lending Solutions
1715 Boysen Way, Beaumont, CA 92223
Christy Silva
Hemet, CA
NexGen Mortgage
25096 Jefferson Ave, Murrieta, CA 92562
Top Gun Home Loans
28364 Vincent Moraga Drive Suite A, Temecula, CA 92590
Summit Home & Lending
Hemet, CA
Gravity Mortgage
31290 Windstone Drive, Winchester, CA 92596
Guy Campbell
38625 Calistoga Drive Suite 200, Murrieta, CA 92563
Steven Burns
1758 Orange Tree Ln, Suite A, Redlands, CA 92374
1st Choice Home Loans
41197 Golden Gate Cir, Murrieta, CA 92562
Isosceles Mortgage
1656 Hibiscus Ct, Beaumont, CA 92223

Hemet, CA Mortgage Refinance FAQs

  • What is the benefit of a lock on the interest rate for Hemet borrowers?

    A lock on the interest rate benefits Hemet borrowers because they can keep the same rate while their refinancing loan application is being processed for closing. It prevents them from being negatively impacted by a market shift and ensures that their new loan stays predictable, since refinancing interest rates fluctuate often and even daily. Though the process of closing a refinance mortgage is significantly short, it does not close overnight.

  • How much do Hemet borrowers pay for refinancing closing costs?

    Hemet borrowers may pay for refinancing closing costs differently because these expenses vary between different lenders and between various locations. On the average, refinance closing costs are often equivalent to approximately 2 to 3 percent of the mortgage loan’s total value. However, it is best to ask one’s particular lender early on in the application process so that one may prepare for the payment.

  • What is a Hemet refinancing home appraisal?

    A Hemet refinancing home appraisal consists of the independent market value evaluation of the home. It is conducted by a real estate appraiser who is duly licensed and do not work for the borrower nor the lender. They are also not part of the loan transaction. Appraisers give their findings in reports which are commonly known as Form 1004. An appraisal is usually conducted while the application for the mortgage loan is being processed and during the underwriter’s review.

  • What does a Hemet refinancing home appraisal report consist of?

    A Hemet refinancing home appraisal report consists of key statistics regarding the home, its neighborhood, and a comparison of other residential properties in its surrounding area. An appraisal report’s official name is “Uniform Residential Appraisal Report,” and usually comes in a standard format such as Fannie Mae’s Form 1004. The report has the company name of the appraiser and their contact information and name.

  • How can a Hemet borrower qualify for a refinancing hard money loan?

    Hemet borrowers may qualify for refinancing hard money loans by not exceeding 65% loan to value. Little paperwork is needed and income verification is not required. FICO scores also do not matter. A refinance 65% loan to value allows hard money lenders to stay in their comfort zone. They are also usually interested in the borrower’s exit strategy, which is usually accomplished through refinancing, selling the home, or paying off the loan using income from work and investments.