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Showing 3 mortgage refinance companies in Gilroy, 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, Bank of America
7111 Camino Arroyo Dr, Gilroy, CA 95020
8312288012
Alison Andrus at Guaranteed Rate Affinity (NMLS #1118471)
8050 Santa Teresa Blvd Unit 210, Gilroy, CA 95020
8316621857
Chase Home Lending
1177 1st St, Gilroy, CA 95020
9259985478
What Does a Mortgage Refinance Company in Gilroy Cost?
Typical costs for a mortgage refinance in California include an origination fee of 0.5% to 1% of the loan amount, an appraisal fee of $400 to $700, and title insurance of $1,000 to $2,500. Third-party fees like recording and escrow can add $500 to $1,500. Total closing costs often range from 2% to 5% of the loan principal. 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 in Gilroy?
You typically need pay stubs, tax returns, bank statements, and a current mortgage statement. California law also requires lenders to verify your ability to repay the loan.
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 an appraisal or additional documentation is needed.
Can I refinance with a low credit score in California?
Yes, but options may be limited. California does not set a minimum credit score for refinancing, but most lenders require at least 620 for conventional loans. FHA loans may allow scores as low as 580.