Best Mortgage Refinance Companies in Tracy, CA

IMS Lending serves locals in Tracy who need mortgages and refinancing choices. The team has fixed-rate mortgages with rehabilitation programs, the latter fit for home renovation contexts. Refinancing is an option, as are cash-out procedures. The company's clientele includes real estate investors, buyers in the farming sector, and first-time homeowners. IMS Lending was founded in 2021. It maintains a variety of online tools and resources to facilitate loan applications online and provide initial calculations of dues.

NorCal Mortgage offers multiple mortgage loan options to property owners and buyers in Tracy. It walks clients through the home refinance process, which involves formulating a refinance analysis request, receiving customized options, and comparing interest terms and rates. The team provides a variety of mortgage alternatives, including reverse, adjustable-rate, and fixed 30-year and 15-year mortgages. In addition, its staff assists clients in applying for a range of loan alternatives, including jumbo, FHA, VA, 203K, USDA, and HARP.

Ability Mortgage has been in the residential lending industry since 1989 serving Tracy and throughout the western US. It assists real estate professionals, builders, and individual homebuyers with their mortgage refinancing needs. It offers 15-year and 30-year fixed-rate mortgages, hybrid adjustable-rate mortgages with terms of between less than three years and eight years, and adjustable rate loans. The full-service mortgage lender is a division of American Pacific Mortgage Corporation. It has offices in Ripon, Modesto, and Oakdale.

Money Hungry has been providing financing services to the people of Tracy and nearby areas since 2012. Its lending team assists people searching for mortgage products to purchase a new house or refinance current home loans. Its mortgage options include USDA, FHA, VA, and jumbo loans. The company's financing home loan offerings cover various property types, including vacation or townhouses, single- or multi-family homes, and condominiums. In addition, Money Hungry offers financing programs for small businesses.

Team MortgageSeth offers refinancing options to residents of Tracy. It caters to owners of properties like single- and multi-family residences, townhouses, and condominiums. Its refinance advisor tool helps borrowers determine if it is the right time to refinance. It also has a purchase assistant tool created to help homebuyers narrow their loan options according to their individual needs. The founder of the mortgage company, Seth Conley, has more than 20 years of residential lending experience.

Howard Davies has been providing mortgage advice to Tracy residents since 1998. He helps individuals and families throughout California navigate the refinancing process. He gives seniors looking at eliminating mortgage insurance or utilizing their home equity access to reverse loan programs. In addition to traditional loan products, he offers down payment assistance and alternative document options to customers facing financial, proof of income, or credit challenges. Davies is part of the American Family Funding Group.

Investment Mortgage serves borrowers in the Tracy metro and the surrounding areas. It provides home refinance, purchase, and equity loan types with a commitment to aid its customers in overcoming mortgage process roadblocks. The company’s programs include mortgages guaranteed by the FHA and the USDA. It also offers loans to military veterans. The majority of Investment Mortgage’s team members are fluent in Spanish. They discuss non-conforming conventional loan options with individuals whose properties are worth over half a million dollars.

Joseph Varni is a veteran who works as a mortgage professional for Alpha Mortgage. He assists homeowners in Tracy and nearby areas who wish to fund their current house loans to get better interest rates and loan terms and adjust monthly payments. Eligible borrowers for a refinance program may use their home equity to improve homes and pay off other obligations. Varni guides loan applicants through the entire procedure, from application and paperwork processing to deal closing.

GEM Mortgage is a division of Golden Empire Mortgage that assists in refinancing clients' homes in Tracy. Its refinancing program allows its clients to review their annual percentage rate loan and choose another loan option. Its loan products include FHA, fixed rate, jumbo and conventional. The company also caters to buyer assistance programs such as CalHFA, ACCESS, SCHFA, CHDAP, HomePath, and Home Possible. The business has been in the industry for over 30 years, headed by its CEO Howard Kootstra a DRE-approved instructor.

Preferred Rate serves the loan needs of homeowners in Tracy who are looking for refinancing options. It offers bridge loans, dream home renovation, and Fannie Mae homestyle for borrowers seeking to refinance. The team assists clients in filing for conventional, FHA, VA, USDA, jumbo, and reverse mortgages. The company also has the California Hero Homebuyers program for teachers, frontliners, and first responders. Branch manager Rob O'Malley has been in the industry since 2001 and has helped fund nearly $1 billion in loans for 2,000 families.

Debbi Galvan provides refinancing solutions to clients throughout the Tracy area. Galvan participates in close consultations with applicants to gauge their qualifications for specific programs that cover their financial goals, which include debt consolidation and interest rate reduction. She helps refinancers understand the factors affecting and influencing their financial choices, such as local rates, marketing conditions, and property values. She also has a variety of loans for new purchases involving single- and multi-family residences, condominiums, and townhouses.

Livermore Mortgage Corporation provides home financing solutions for residents in and around the Tracy metro. Its team of mortgage advisors attends to clients' refinancing needs, offering various programs such as fixed-rate mortgages and super jumbo and conforming loans. They also help borrowers apply for HARP loans, which were established by the Federal Housing Finance Agency. Livermore Mortgage Corporation is owned by Adam Stephens, who has been working in the residential home finance industry since 2008.

American Pacific provides homebuyers throughout Tracy with mortgage programs and refinancing services. Its team of mortgage professionals utilizes over 40 years of combined industry experience to help clients compare and apply for various lending programs, such as balloon mortgages or home equity fixed mortgages. They also guide clients through the refinancing process, from determining favorable market options to closing. One of its mortgage originators, Jay Briggs, holds the Chartered Financial Analyst designation from the CFA Institute.

Janice Nugent is a mortgage loan officer serving individuals and families across Tracy and the neighboring cities. Since 1982, she has been helping people shorten the terms of their mortgage loans or lower their monthly obligations through refinancing. She also assists first-time buyers in achieving their dream of homeownership by providing home purchase loan programs, including 30-year fixed-rate, 15-year fixed-rate, and adjustable rate. Janice has been a Certified Mortgage Planner Specialist for more than a decade.