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Best Mortgage Refinance Companies in Union City, CA

Our Recommended Top 13

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Union City 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.

51Reviewed

35Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

11501 Dublin Blvd Ste #200, Dublin, CA 94568
WebsiteLicense: 309198

Expertise.com Rating

Review Sources

Google
5.0 (126)
Yelp
5.0 (117)
Facebook
4.9 (36)

Why choose this provider?

Reliance Financial is a family-owned business that caters to buyers and investors in and around Union City. Its team helps families and individuals achieve their dream residential properties by providing them with refinancing solutions. The privately owned company assists clients in creating strategies on how they can lower interest rates and monthly payments. It processes mortgage loans to enable customers to obtain single-family homes, townhouses, condominiums, and manufactured homes. Reliance Financial has been in operation for over 15 years.

  • Multi-Family Loans

4701 Rose Way, Union City, CA 94587
WebsiteLicense: 1574655

Expertise.com Rating

Review Sources

Google
5.0 (17)

Why choose this provider?

Aiyars Real addresses the real estate needs of individuals and families in and around Union City. For more than a decade, he has been helping borrowers refinance their loans to enable them to acquire their dream residential properties. He collaborates with investors and buyers to develop refinancing strategies that can reduce their monthly payments and interest rates. The professional also caters to customers who want to market their investment spaces. Real is a member of the National Association of Realtors.

  • New Construction

6658 Thornton Avenue, Newark, CA 94560
WebsiteLicense: 1829567

Expertise.com Rating

Review Sources

Google
5.0 (14)
Yelp
5.0 (6)
Facebook
5.0 (5)

Why choose this provider?

Rainbow Funding is a family-run brokerage company with a team of mortgage loan officers serving clients in Union City. It offers refinancing solutions to homeowners, including cash-out, rate and term, and reverse mortgage, that help in getting lower rates and monthly payments and cash out for extra funds. The company also provides hard money loans for private investors. Rainbow Funding has been in business for over four decades, modernizing mortgages through virtual consultations, digital loan document management, and online loan tracking.

  • New Construction
  • Reverse Mortgages

2950 Buskirk Ave, Suite 140, Walnut Creek, CA 94597
WebsiteLicense: 1440176

Expertise.com Rating

Why choose this provider?

Preferred Mortgage, Inc., serves homeowners and first-time home buyers in Union City and the surrounding cities. The independent broker offers customers different types of loan programs, including home refinance, home purchase, FHA, and commercial loans. It also deals with bad credit and home equity line of credit (HELOC). Its loan process involves applying for a loan and getting pre-approved, providing documentation, comparing loans and rates, and closing loans. Preferred Mortgage has been serving customers since 2012.

  • New Construction

2950 Merced St., Suite 101, San Leandro, CA 94577
WebsiteLicense: 276534

Expertise.com Rating

Review Sources

Google
5.0 (136)
Facebook
5.0 (22)

Why choose this provider?

Sergio Szyrko is a mortgage loan officer serving Union City. He assists borrowers looking to shorten current loan terms, reduce interest rates, or consolidate debt through mortgage refinancing. Some of the refinance programs he offers include cash-out, adjustable-rate, and fixed-rate mortgages. He also provides home purchase loans, such as conventional, FHA, VA, USDA, jumbo, and reverse. Szyrko is one of 10,000 mortgage professionals employed by Fairway Independent Mortgage Corporation, which has been helping people achieve their homeownership goals since 1996.

  • Reverse Mortgages

1810 Gateway Drive, San Mateo, CA 94404
WebsiteLicense: 633285

Expertise.com Rating

Review Sources

Yelp
5.0 (49)
Google
5.0 (30)
Facebook
5.0 (20)

Why choose this provider?

Sean Kameli is the founder and chief loan officer of Supreme Lending, a brokerage firm serving the people of Union City and the surrounding areas. He assists homeowners in reducing the interest rate that they are paying on their homes through mortgage refinancing solutions. Clients looking to take advantage of their homes’ equity may opt to cash out instead. Other financing programs Kameli helps customers with include conventional, jumbo, FHA, and VA loans. Supreme Lending has been in operation for more than two decades.

  • New Construction

3553 Castro Valley Blvd. Ste H, Castro Valley, CA 94546
WebsiteLicense: 237585

Expertise.com Rating

Why choose this provider?

BayCal Capital Services, Inc., is a local real estate and lending company that serves residential clients in Union City. It offers mortgage refinancing services, analyzing clients' current loans and financial situations to allow for reduced monthly payments and rates. It also provides purchase and home improvement loans. BayCal Capital Services is owned and operated by Isaac Sanchez, who has been in the industry for over 12 years and has experience in real estate buying, selling, and lending.

  • Reverse Mortgages
  • New Construction

604 Oakes Blvd, San Leandro, CA 94577
WebsiteLicense: 1673314

Expertise.com Rating

Review Sources

Google
4.8 (20)

Why choose this provider?

With its expertise, investment tools, and a variety of loan options, Lane Mortgage assists the people of Union City in realizing their pursuit of home ownership or applying for a refinance to achieve personal financial plans. The company streamlines the refinancing process by calculating an individual's purchasing power based on standard lender guidelines. It then helps clients select a suitable program, such as fixed rate and adjustable mortgages, based on their specific circumstances and financial goals.

  • New Construction

7031 Koll Center Pkwy Suite 190, Pleasanton, CA 94566
WebsiteLicense: 1242402

Expertise.com Rating

Review Sources

Facebook
5.0 (9)

Why choose this provider?

Megan Price is a senior loan officer who provides services to clients in Union City and the neighboring areas. She guides individuals in refinancing their existing mortgage loans to obtain lower rates and monthly payments, enabling them to reduce their expenses and achieve their financial goals. Price offers refinancing services to provide cash funds for individuals from their homes' equity. She also serves individuals and families wishing to apply for loan programs to purchase their first homes.

  • New Construction
  • Reverse Mortgages

39899 Balentine Dr Suite 200, Newark, CA 94560
WebsiteLicense: 1659883

Expertise.com Rating

Review Sources

Google
5.0 (8)

Why choose this provider?

Inizio is a mortgage service provider offering digital solutions to assist with the refinancing goals of people in Union City. Through its website, it guides mortgage borrowers in submitting applications and securing pre-qualifications online. The team helps homeowners evaluate various refinancing options through interactive calculators and self-help tools. In addition, Inizio deploys a variety of mortgage options, from interest-only loans and ARMs to government programs such as FHA, VA, and USDA. Its professionals advise clients throughout the refinancing process.

  • New Construction

799 Fletcher Lane, Suite 202, Hayward, CA 94544
WebsiteLicense: 1315421

Expertise.com Rating

Review Sources

Google
5.0 (29)
Facebook
5.0 (26)
Yelp
5.0 (4)

Why choose this provider?

Optimal Loans serves residential and commercial property owners, sellers, and buyers in Union City and the nearby areas. The company provides customers with various loan options, which include home refinance, conventional, FHA, and VA loans. Its team of mortgage processors and specialists also has experience assisting clients with jumbo and 203K loan programs. Karan Singh established Optimal Loans in 2014. He has more than a decade of experience in the mortgage, banking, and real estate industry.

  • New Construction

29300 Kohoutek Way, Suite 110, Union City, CA 94587
WebsiteLicense: 746372

Expertise.com Rating

Review Sources

Google
5.0 (8)
Yelp
5.0 (6)

Why choose this provider?

Pacific Green Funding caters to people in Union City who need various refinancing plans for existing debts and new mortgages for upcoming purchases. It has government-backed options fit for members of the military, as well as conventional products from private entities. The company's advisors counsel clients on lending-related matters, such as transaction taxes and how to break even on real estate investments. Pacific Green Funding is licensed across two states and coordinates with sales agents to facilitate buying processes.

  • Reverse Mortgages

1288 Kifer Rd, Sunnyvale, CA 94086
WebsiteLicense: 275975

Expertise.com Rating

Why choose this provider?

Googain deals with clients across the Union City area. The company guides them through the mortgage refinancing process. It maintains a website that contains a refinance calculator to help homeowners visualize the impact of their financial decisions. The company also provides home valuation services. Shawn Song, its president, has more than a decade of experience in the mortgage industry. He has a background in the IT field and previously worked as a senior software manager under the firm S3 Graphics.

  • New Construction
  • Reverse Mortgages

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
Reliance Financial
11501 Dublin Blvd Ste #200, Dublin, CA 94568
Aiyars Real
4701 Rose Way, Union City, CA 94587
Rainbow Funding
6658 Thornton Avenue, Newark, CA 94560
Preferred Mortgage, Inc.
2950 Buskirk Ave, Suite 140, Walnut Creek, CA 94597
Sergio Szyrko
2950 Merced St., Suite 101, San Leandro, CA 94577
Sean Kameli
1810 Gateway Drive, San Mateo, CA 94404
BayCal Capital Services, Inc.
3553 Castro Valley Blvd. Ste H, Castro Valley, CA 94546
Lane Mortgage
604 Oakes Blvd, San Leandro, CA 94577
Megan Price
7031 Koll Center Pkwy Suite 190, Pleasanton, CA 94566
Inizio
39899 Balentine Dr Suite 200, Newark, CA 94560
Optimal Loans
799 Fletcher Lane, Suite 202, Hayward, CA 94544
Pacific Green Funding
29300 Kohoutek Way, Suite 110, Union City, CA 94587
Googain
1288 Kifer Rd, Sunnyvale, CA 94086

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.
  • Is it easier to refinance than purchase a new home in Union City?

    Yes, in Union City, refinancing a home is generally easier than purchasing a new one. Refinancing does not involve dealing with real estate agents or purchase contracts, and it often requires less cash to close due to no down payment and lower closing costs. If a homeowner's financial situation has remained stable since purchasing the home, qualifying for similar loan terms during refinancing is likely, making the process more straightforward.

  • Does refinancing a home in Union City affect property taxes?

    No, refinancing a home in Union City does not impact property taxes, as properties are assessed by the county independently of the refinancing process. While a high appraisal during refinancing in a rapidly growing market might signal a potential increase in future assessments, these changes are usually slow and occur annually, making predictions inaccurate.

  • How can Union City residents decide between purchasing a new home or refinancing an existing one?

    The decision between buying a new home and refinancing an existing one in Union City depends on personal financial circumstances and objectives. For first-time homeownership, purchasing is suitable. On the other hand, refinancing might be preferable to reduce monthly payments or tap into home equity. Assessing credit score, income, debt-to-income ratio, and consulting a financial expert will help individuals make informed decisions.

  • How can one avoid mortgage fraud when refinancing a home in Union City?

    When refinancing a home in Union City, one can avoid mortgage fraud by working only with licensed and well-reviewed mortgage brokers. It's wise to get multiple opinions to spot inconsistencies and be cautious of any outrageous promises or major disparities between brokers. Ensuring a complete understanding of all terms before signing any documents, avoiding signing papers with blank spaces, and maintaining personal records of loan term changes are also key steps in preventing mortgage fraud during refinancing.

  • What is rate and term refinancing, and where can Union City homeowners use it for?

    Rate and term refinancing refers to modifying the mortgage's interest rate and term while the principal remains constant. Homeowners in Union City can utilize this to lower the interest rate or alter the loan's length for interest savings, improved budgeting, or faster equity buildup. Home equity loans (HELs) and home equity lines of credit (HELOCs) are common instruments that homeowners can utilize to adjust their mortgage rate and term.

  • 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.