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Best Mortgage Refinance Companies in Mountain View, CA

Our Recommended Top 7

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 Mountain View 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.

48Reviewed

31Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

5201 Great America Pkwy Ste. 455, Santa Clara, CA 95054
WebsiteLicense: 326818

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Mikasa Homes & Funding helps the residents of Mountain View and the surrounding areas refinance their mortgages. It provides a variety of refinancing options to single- and multi-family residence, townhouse, and condominium owners. Its website has a refinance calculator to help borrowers make informed decisions. The firm offers a selection of home mortgage programs, including jumbo, USDA, FHA, and VA loans. Additionally, its mortgage brokers are knowledgeable about fixed- and adjustable-rate, graduated payment, and interest-only mortgages.

  • Reverse Mortgages

35111 Newark Blvd, Ste E, Newark, CA 94560
WebsiteLicense: 863215

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

RAS Loans is a locally owned and operated mortgage company that serves individuals and families in Mountain View and the surrounding areas. It helps homeowners change their mortgage rates or terms, lower their interest rates, and reduce their monthly payments through refinancing programs. It also provides mortgage refinancing services for debt consolidation, home improvement, and cash-out purposes. President Vik Randhawa has more than a decade of mortgage experience and can accommodate clients in English, Punjabi, Hindi, and Urdu.

  • Multi-Family Loans
  • Commercial Loans
  • New Construction

Mountain View, CA
WebsiteLicense: 314626

Expertise.com Rating

Review Sources

Yelp
5.0 (34)

Why choose this provider?

Jeff Ling is a loan officer working under MaxReal. He caters to people in Mountain View seeking to refinance their current mortgage. Ling works closely with borrowers throughout the process of reducing their monthly payments and interest rates. In addition to serving as a loan officer, he is also a real estate professional who works with people buying a new home. He provides home buyers with loan options, explains the forms and agreements, and prepares the property for value study.

  • Reverse Mortgages

Milpitas, CA 95035
WebsiteLicense: 2073719

Why choose this provider?

VRAJ is a mortgage brokerage company that serves clients in Mountain View and nearby areas. It offers mortgage refinancing solutions for existing loans on single-family and multi-family homes, condominiums, manufactured homes, and townhouses. It assists borrowers looking to consolidate debt, get lower rates and monthly payments, or take cash out for personal purchases and home improvement. VRAJ carries various loan programs, including FHA, VA, USDA, and jumbo, with graduated payments, interest-only, and fixed and adjustable rates.

  • Reverse Mortgages

1350 Bayshore Highway, Burlingame, CA 94010
WebsiteLicense: 254895

Expertise.com Rating

Review Sources

Google
4.9 (239)
Yelp
3.5 (34)

Why choose this provider?

General Mortgage Capital Corporation offers its services to clients in the Mountain View metro and the surrounding areas. It assists prospective home buyers in achieving ownership through various financing programs, such as fixed-rate, hybrid, and adjustable-rate mortgages. Its loan officers also help homeowners keep their residential properties through refinancing programs. General Mortgage Capital Corporation is managed by senior loan officer Sanjana Prabhakar, who has more than two decades of experience in the financial services industry.

  • Reverse Mortgages

467 1st St Ste 100, Los Altos, CA 94022
WebsiteLicense: 1568126

Expertise.com Rating

Why choose this provider?

Sean Ban, a private mortgage banker and consultant for Wells Fargo Home Mortgage, advises and assists clients in Mountain View and the surrounding areas. He works to simplify the process for clients applying for a home purchasing or refinancing loan by personally guiding them and providing the tools they need. He also offers financing options for primary, second, vacation, new constructions, and investment properties. Ban deals with more complex home financing situations and formulates asset management strategies.

  • New Construction

51 E Campbell Ave., Suite 110, Campbell, CA 95008
WebsiteLicense: 329189

Expertise.com Rating

Review Sources

Facebook
5.0 (10)
Yelp
3.5 (9)

Why choose this provider?

Bayview Residential helps homeowners in Mountain View refinance their mortgages. Its website has a refinance calculator available to help people decide if refinancing is a wise financial decision. It offers a variety of loan programs, including VA, reverse mortgage, FHA, and fixed- and adjustable-rate loans. Its partnerships with multiple lenders allow it to find the right loan program for borrowers. A previous client commended the company for helping him close his home purchase loan within the 30-day deadline without hassle.

  • Reverse Mortgages

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
Mikasa Homes & Funding
5201 Great America Pkwy Ste. 455, Santa Clara, CA 95054
RAS Loans
35111 Newark Blvd, Ste E, Newark, CA 94560
Jeff Ling
Mountain View, CA
VRAJ
Milpitas, CA 95035
General Mortgage Capital Corporation
1350 Bayshore Highway, Burlingame, CA 94010
Sean Ban
467 1st St Ste 100, Los Altos, CA 94022
Bayview Residential
51 E Campbell Ave., Suite 110, Campbell, CA 95008

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.
  • Why is it better to choose cash-out refinance to consolidate your debts in Mountain View?

    Opting for a cash-out refinance in Mountain View to consolidate debt offers multiple advantages. By combining high-interest credit card balances into a single fixed-rate mortgage payment, potential savings from lower rates can be realized. The process simplifies budgeting through streamlined financial tracking via a single mortgage payment. Additionally, this approach can enhance credit scores, reducing the debt-to-income ratio by clearing diverse credit card balances, improving overall creditworthiness.

  • What is a Jumbo Loan in Mountain View?

    In Mountain View, a Jumbo Loan, also called a Jumbo mortgage, is offered by Portfolio lenders. It's for properties like primary residences, vacation or second homes, and investments. People can choose between fixed or adjustable rates. Moreover, lenders decide the rules for Jumbo loans, so there's a lot of variety. People can use a loan calculator to match different Jumbo programs with their finances to find the best option.

  • What can you get when you refinance your mortgage in Mountain View?

    Refinancing your mortgage in Mountain View can yield several advantages, such as securing lowered interest rates and more affordable monthly payments. Moreover, you can eliminate the need for private mortgage insurance by tapping into your current equity. Refinancing also allows modifying the loan term, choosing from fixed, shorter, or extended durations. Furthermore, you can access your existing equity, potentially settling other debts or addressing unique financial requirements.

  • How does the refinancing process work in Mountain View?

    In Mountain View, the refinancing process begins with the individual outlining their financial goals and specifying the purpose of the refinance. Subsequently, they can initiate the application by contacting the mortgage refinancing company. This phase involves gathering pertinent data regarding their objective. Following this, the refinancing company assesses the equity present in the individual's home. This evaluation serves as the basis for determining eligibility and the potential amount that can be refinanced.

  • What are the requirements for applying to refinance your mortgage in Mountain View?

    You must provide essential documents when applying to refinance your mortgage in Mountain View. These include recent rental agreements, W-2s, or tax returns for the past two years, the three most recent bank statements, and the latest statements for investment accounts. Additionally, you need to submit settlement agreements and divorce decrees, if relevant. Furthermore, you should include recent paycheck stubs, proof of additional income, and your current mortgage note.

  • 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.