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Looking for a mortgage refinance company in Folsom? Review the directory below to compare your options.
19 agents listed
Updated May 2026
Folsom, CA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the California before hiring.
Showing 19 mortgage refinance companies in Folsom, CA
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Mortgage Garage: Michael Kane, Mortgage Broker NMLS #245012
80 Blue Ravine Rd Ste 110, Folsom, CA 95630
9165395652
Troy Watson - Barrett Financial Group, LLC
850 Iron Point Rd #138, Folsom, CA 95630
9167304585
Iron Point Mortgage
2130 E Bidwell St STE 110, Folsom, CA 95630
9169853200
Guild Mortgage - Geoff Black
81 Blue Ravine Rd #125, Folsom, CA 95630
9164866558
Change Home Mortgage
1847 Iron Point Rd Suite 120, Folsom, CA 95630
9167414130
Shane Scott, California Home Loans
101 Parkshore Dr #100, Folsom, CA 95630
9168120045
Guild Mortgage - Paul Anderson
81 Blue Ravine Rd #125, Folsom, CA 95630
9167154888
Arbor Financial Group – Folsom Branch NMLS #2536719
2240 E Bidwell St, Folsom, CA 95630
9169903966
Dara Delgado Home Loans
101 Parkshore Dr #100, Folsom, CA 95630
9162243327
Guild Mortgage Company
81 Blue Ravine Rd #125, Folsom, CA 95630
9169320250
Mortgage Minds
35 Iron Point Cir Suite 280, Folsom, CA 95630
9167650009
Mortgage refinance companies in Folsom California help homeowners lower their interest rates or change loan terms. California law requires lenders to provide a Loan Estimate within three business days of application. Local Folsom lenders understand the Sacramento area real estate market and can guide you through the refinance process.
What Does a Mortgage Refinance Company in Folsom Cost?
Typical costs for refinancing a mortgage in California range from 2 to 6 percent of the loan amount. This includes an appraisal fee of 400 to 800 dollars, title insurance of 500 to 1,500 dollars, and lender origination fees of 1,000 to 3,000 dollars. Third party costs like credit report fees and recording fees add 100 to 500 dollars. Note that costs vary by loan size and lender. This is general information and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What documents do I need to refinance a mortgage in Folsom?
You typically need pay stubs, tax returns, bank statements, and a property appraisal. California lenders may also ask for proof of homeowners insurance. Gather these documents before applying to speed up the process.
How long does a mortgage refinance take in California?
A standard refinance in California usually takes 30 to 45 days from application to closing. Delays can occur if the appraisal or title search takes longer. Your lender must provide a closing disclosure at least three business days before closing.
Are there California specific rules for refinancing a mortgage?
Yes California requires lenders to be licensed under the California Department of Financial Protection and Innovation. The state also limits prepayment penalties on most loans. You have the right to cancel a refinance within three business days after signing.
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About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the California.