2025
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LicensingUser ReviewsMystery Shopping CallsOur goal is to connect people with the best local professionals. We scored San Francisco 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.
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Homepoint Lending is a mortgage brokerage firm that serves residential clients in San Francisco. It offers home refinance loans that reduce interest rates and monthly payments and change the mortgage term. Its team conducts a refinancing analysis and helps clients compare multiple interest rates and terms based on their current situation. Available loan options include conforming, jumbo, super jumbo, FHA, VA, and USDA, with fixed and adjustable rates. Homepoint Lending is operated by Shawn Maxwell, who has over 20 years of experience.
(9)Orka Investment deals with clients throughout the San Francisco area. The company educates homeowners through the process of refinancing. It uses no-pressure methods to discuss options with clients. It also provides mortgage program options like conventional, jumbo, and alternative financing loans to help individuals acquire residential or commercial properties. It has experience serving self-employed borrowers. To help families protect themselves against severe financial risk, the company offers homeowners' insurance. It sets up other insurance policies that cover vehicles.
SELFi connects San Francisco residents to lenders with mortgage solutions that suit their needs. Rocket Mortgage by Quicken Loans and LoanDepot are two of the company’s trusted lenders. One of SELFi’s programs is the DIY Refi, a refinancing program unique for its wholesale interest rates, licensed mortgage coach, and focus on education. In addition, most loans under DIY Refi close within 30 days. Behind the company is Joseph Flannery, the CEO who is a mortgage adviser that the Scotsman Guide magazine acknowledged in 2016 and 2017.
California Mortgage Company, Inc. offers various refinancing solutions to clients in San Francisco and nearby locations who want to reduce the interest rates on their home loans. It provides different mortgage rate options, which include fixed-rate, adjustable-rate, graduated payments, and interest-only. In addition, the firm has a selection of programs, including VA, USDA, FHA, and jumbo loans. California Mortgage Company assists clients throughout the whole loan application process, from selecting the right program to approval.
SunnyHill Financial is a mortgage lender serving clients in San Francisco. It helps homeowners reduce their interest rates and shorten the term of their mortgage loans through refinancing. Its loan officers have more than five decades of experience working with traditional banking institutions and fintech startups. They assist first-time homebuyers in navigating the home loan process by providing them with rate comparisons. SunnyHill Financial is also licensed to offer mortgage loans in several states, including Colorado, Arizona, and Florida.
Levias Lending serves clients across San Francisco. The company guides individuals seeking to refinance their mortgages. It has dealt with owners of different types of properties, including townhouses, condominiums, and manufactured homes. The company also provides mortgage programs like VA, USDA, and FHA loans, for clients looking to fulfill their goal of homeownership. Its founder and namesake, Stephen Levias, once worked as a mortgage loan officer at Bank of America. He has spent more than a decade in the financial services field.
Primary Residential Mortgage, Inc., serves clients throughout the San Francisco area. Its mortgage professionals assist clients in finding and applying for lending solutions and refinancing existing mortgages. For current mortgagors, they help them consider the benefits and costs of refinancing options and recommend to them solutions, such as refinances centered around lowering monthly payments or shortening the current term, favorable to their needs. Co-founder Michael Koran has over a decade of industry experience. He also performs volunteer work, supporting refugee camps set up by the United Nations.
DiVita Home Finance, Inc. serves residential property buyers in the San Francisco metro and the surrounding communities. The agency aims to deliver customized services by working with 40 different lenders to provide suitable loan options for its clients. It offers various kinds of mortgage loans, which include VA loans, no-tax return programs, reverse mortgages, and conventional loans. Owner Michael DiVita founded the company in 2007 with the goal to provide more home mortgage solutions to his clients.
Reena Loans & Real Estate is a locally owned and operated brokerage firm that serves individuals, families, and businesses in San Francisco and the surrounding areas. It offers mortgage refinance and cash-out programs. It also assists with a variety of home purchase loans. In addition, it provides real estate and property management services. Principal Reena Paleja has been working in the mortgage industry for more than a decade. She also has experience in residential and commercial real estate sales.
You must work with a lender approved by the Mayor’s Office of Housing & Community Development. After completing the required forms which the lender will then upload online, you must send payment within 48 hours to this address: Mayor’s Office of Housing & Community Development ATTN: Loan Servicing 1 S Van Ness Ave, 5th Floor San Francisco, CA 94103 It typically takes around 10-15 days to process the application. Once everything is approved, the refinance agreement document will be sent to you and the lender.
Each time of the month has its own pros and cons. For example, closing at the end of the month in San Francisco can reduce accumulated interest, while closing earlier gives more time to prepare for the first payment. You can save more if you close your transaction on the month's last business day, except if it is a Monday; the preceding Friday is better to avoid extra interest accrued during the weekend.
If your home's value in San Francisco is lower than what you owe in a mortgage, one option for homebuyers is to apply for the Home Affordable Refinance Program. They can be eligible if they have not missed any payments. If they have, they can choose The Home Affordable Modification Program. When they're not eligible for both, they can check with their lender for a loan modification. If refinancing is no longer an option, a short sale can help avoid foreclosure.
Not really because no-cost closing arrangements offered by some lenders just mean no upfront fees during the closing process. However, the cost will pop up somewhere such as a higher mortgage principal or interest rate. This means your monthly payments will be higher than if you pay the closing costs upfront when refinancing in San Francisco. You actually have to pay more in the long run.
A high debt-to-income ratio means you have too much debt because the ratio is calculated as a percentage of the loan borrower's gross income allocated for the payment of recurring debts. The acceptable ratio is 37% to 42%, but if you want to apply for a refinance on a jumbo loan, you need to have at least 43%. A 50% number can still get you a conforming loan refinance in San Francisco though.
Explore the nuances of eraly refinancing and the variables to consider to make an informed decision before diving into the re...
