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Best Mortgage Refinance Companies in Rialto, CA

Our Recommended Top 9

We did the research for you!

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

62Reviewed

40Curated

9Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Mortgage Refinance Companies Serving Rialto
13295 Joliet Dr, Rancho Cucamonga, CA 91739
Visit WebsiteLicense: 1369773

Expertise.com Rating

Why choose this provider?

James Taverner is a senior loan originator who helps clients in Rialto and nearby areas with refinancing mortgages for better rates and cash-outs. This professional adheres to four principles when providing services, which include keeping clients informed through follow-ups, guiding them through the entire mortgage process while avoiding mistakes, locating the best market rates available, and closing the loan on time. James Taverner also caters to buyers who aim to acquire real estate as an investment.

  • Reverse Mortgages

Best Mortgage Refinance Companies Serving Rialto
12505 N Mainstreet Suite 228, Rancho Cucamonga, CA 91739
Visit WebsiteLicense: 285504

Expertise.com Rating

Review Sources

Google
5.0 (26)

Why choose this provider?

Global Mortgage serves homeowners, home buyers, and investors in Rialto. Its team works with more than 100 investors, allowing clients to match with the right loan programs that suit their individual needs. The agents assist with refinancing mortgages, allowing homeowners to convert their loan terms or extract cash equity in their homes that may be used for consolidating debt, education funding, or home improvement. Global Mortgage also offers ARMs, conventional jumbo, home equity lines, and VA loans.

  • Reverse Mortgages

Best Mortgage Refinance Companies Serving Rialto
2601 N Del Rosa Ave #205C, San Bernardino, CA 92404
Visit WebsiteLicense: 1840721

Expertise.com Rating

Review Sources

Google
5.0 (11)

Why choose this provider?

Noble Mortgage provides current and future homeowners in Rialto with financing options. The firm offers various mortgage and refinancing loan choices, which include fixed rate, home improvement, reverse, jumbo, and FHA loans. A home affordable refinance program is also available, which allows clients unable to refinance because of loan-to-value guidelines to take advantage of low interest rates in the market. Its professionals assist clients throughout the process, from filing the necessary documents to closing the transaction.

Best Mortgage Refinance Companies Serving Rialto
21364 Tennyson Rd, Moreno Valley, CA 92557
Visit WebsiteLicense: 932287

Expertise.com Rating

Review Sources

Google
4.0 (4)

Why choose this provider?

Summit Home & Lending caters to individuals and families in Rialto and the surrounding areas. It provides clients with mortgage solutions that meet their needs, including purchasing a new home or rental property, lowering monthly payments, reducing interest rates, cashing out equity for home improvement projects, and debt consolidation. It offers a variety of loans such as VA, jumbo, conventional, FHA 203(k), and adjustable rate mortgages. Summit Home & Loan collaborates with more than 50 different lending institutions.

  • New Construction

Best Mortgage Refinance Companies Serving Rialto
433 S. Waterman Avenue, Suite I, San Bernardino, CA 92408
Visit WebsiteLicense: 1786532

Expertise.com Rating

Review Sources

Yelp
5.0 (33)
Google
5.0 (3)

Why choose this provider?

Cinch Real Estate + Mortgage has refinancing options available for customers located in Rialto. It is a full-service brokerage DRE and NMLS-registered firm that takes on the complete homeownership process for its customers. It also has financial advising services to help augment relevant information in the decision-making process. Second-generation real estate and mortgage broker Phillip N. Le founded Cinch on the back of over a decade of industry experience working on land acquisition and residential development.

  • New Construction

Best Mortgage Refinance Companies Serving Rialto
9431 Haven Avenue, Suite 208, Rancho Cucamonga, CA 91730
Visit WebsiteLicense: 1812241

Expertise.com Rating

Review Sources

Google
5.0 (36)
Yelp
5.0 (23)
Facebook
5.0 (5)

Why choose this provider?

Rancho Capital Home Loans is a locally owned and independent mortgage brokerage company that serves clients in Rialto. It assists with mortgage refinancing for primary and vacation homes and investment properties, catering to clients looking to consolidate debt, reduce interest rates and monthly payments, and change loan terms. Its mortgage rate options include fixed-rate, interest-only, adjustable rate, and graduated payments. It also provides various loan programs, such as USDA, jumbo, VA, and FHA. Additionally, it handles reverse mortgages and property appraisals.

  • New Construction
  • Reverse Mortgages

Best Mortgage Refinance Companies Serving Rialto
6700 Indiana Ave 130, Riverside, CA 92506
Visit WebsiteLicense: 246740

Expertise.com Rating

Review Sources

Facebook
5.0 (11)
Google
5.0 (8)
Yelp
5.0 (2)

Why choose this provider?

National One Mortgage is a Riverside-based firm that caters to clients in the Rialto metro and the surrounding areas. It offers mortgage refinance options for customers who own different types of properties, including condominiums, single- or multi-family residences, and townhouses. National One Mortgage helps them change their loan terms, get lower interest rates, lower their monthly payments, or take out cash. Some of the loan options it provides are conventional, FHA, VA, and reverse mortgages.

  • Reverse Mortgages

Best Mortgage Refinance Companies Serving Rialto
305 N. Second Ave. Suite 164, Upland, CA 91786
Visit WebsiteLicense: 342719

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

Crown Castle Mortgage Realty serves real estate buyers in Rialto who require refinancing and mortgage solutions. These products include conventional and Jumbo loans. Government-supported programs backed by the FHA are available for first-time purchasers. The team refinances current obligations into fixed-rate mortgages with terms up to 30 years. Cashing out from equity is also an option. Crown Castle has been operating in the state for more than two decades and broker Mario Espinoza has been in the real estate and lending fields for 24 years.

  • New Construction

Best Mortgage Refinance Companies Serving Rialto
18201 Von Karman #300, Irvine, CA 92612
Visit WebsiteLicense: 2091817

Expertise.com Rating

Review Sources

Google
4.0 (4)
Yelp
5.0 (2)

Why choose this provider?

American Dream Group is a mortgage refinancing brokerage firm that assists clients in Rialto and nearby areas. Its team members help clients in refinancing their existing loans for a new home purchase, home equity, and reverse mortgage. It also offers conventional, FHA, and VA loans. The company additionally provides interest-only mortgages, which are home loans that allow borrowers to make payments toward the interest of the accruing loan over the principal for a specified time frame.

  • New Construction
  • Reverse Mortgages

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
James Taverner
13295 Joliet Dr, Rancho Cucamonga, CA 91739
Global Mortgage
12505 N Mainstreet Suite 228, Rancho Cucamonga, CA 91739
Noble Mortgage
2601 N Del Rosa Ave #205C, San Bernardino, CA 92404
Summit Home & Lending
21364 Tennyson Rd, Moreno Valley, CA 92557
Cinch Real Estate + Mortgage
433 S. Waterman Avenue, Suite I, San Bernardino, CA 92408
Rancho Capital Home Loans
9431 Haven Avenue, Suite 208, Rancho Cucamonga, CA 91730
National One Mortgage
6700 Indiana Ave 130, Riverside, CA 92506
Crown Castle Mortgage Realty
305 N. Second Ave. Suite 164, Upland, CA 91786
American Dream Group
18201 Von Karman #300, Irvine, CA 92612

Rialto, CA Mortgage Refinance FAQs

  • What are the different fees you have to pay when applying for a mortgage refinance in Rialto?

    When applying for a refinance in Rialto, you have to pay application and loan origination fees. Your lender will need to do appraisal work and a title search, and these services also come with a fee. Lawyer fees are also charged when refinancing. The total closing expenses typically range from 2% to 6% of the loan amount.

  • Can you shorten the term of your home loan in Rialto?

    Yes, you can shorten the term of your current home mortgage in Rialto. You may look for lenders and file an application for refinancing based on your financial goals. Having a shorter loan term will prevent you from paying a higher interest rate and will enable you to take ownership of your home faster.

  • How long does it typically take to close on a mortgage refinance in Rialto?

    Usually, it takes 30-45 days to close a mortgage application in Rialto. However, there is no exact timeframe for borrowers, as lenders also have different processing times, which depend on the number of applications being served. It is not recommended to start your refinancing application until you have secured all the necessary financial documents.

  • Can you refinance your home in Rialto if you are in the middle of a major renovation work?

    It is not recommended to apply for mortgage refinancing in Rialto if you are in the middle of major renovation work in your home. In most cases, you will need to get an appraisal for your home in order to secure refinancing. The majority of mortgage companies will decline your application and will advise you to finish the construction work before proceeding with the application.

  • Is there an advantage to moving to a fixed-rate term from an adjustable term in Rialto?

    Yes, shifting to a fixed-rate financing term from an adjustable term has advantages in Rialto. Fixed-rate loans offer you constant interest rates throughout the term of your mortgage. You will be protected from market volatility and inflation as well. On the other hand, an adjustable-rate loan is dependent on market behavior and may affect your cash flow when the adjustment phase starts.