Find Mortgage Refinance Companies in Lafayette, CA
Directory of mortgage refinance companies in Lafayette, California. Verify credentials with the state state mortgage licensing authority before hiring.
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State Mortgage Licensing Authority of California before hiring.
Showing 16 mortgage refinance companies in Lafayette, CA
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Mortgage refinance companies in Lafayette, California help homeowners replace their existing home loan with a new one, often to secure a lower interest rate or change loan terms. Under California law, borrowers have a three-day right of rescission after signing refinance documents for most owner-occupied properties. Local lenders also consider Contra Costa County property values and the current real estate market when evaluating refinance applications.
What Does a Mortgage Refinance Company in Lafayette 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 costs of $800 to $2,000. Third-party fees such as escrow and recording fees add $500 to $1,500. Total closing costs often range from 2% to 5% of the loan amount. This is general information, 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 is the right of rescission for a refinance in California?
California borrowers have a three-day right of rescission after signing refinance documents for most owner-occupied homes. This means you can cancel the loan within three business days without penalty. The right does not apply to purchase loans or second homes.
Do I need a home appraisal to refinance in Lafayette?
Most refinance lenders require a home appraisal to determine the current market value of your property. In Lafayette, appraisers look at recent sales of similar homes in the area. Some streamlined refinance programs may waive the appraisal if you meet specific criteria.
What documents do I need for a refinance application in California?
You typically need recent pay stubs, W-2 forms, tax returns, bank statements, and a copy of your current mortgage statement. California lenders also require proof of homeowners insurance. Self-employed borrowers must provide additional profit and loss statements.