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Find Mortgage Refinance Companies Near You in Lathrop, CA
Directory of mortgage refinance companies in Lathrop, California. Verify credentials with the state mortgage licensing authority before hiring.
5 agents listed
Updated May 2026
Lathrop, 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 5 mortgage refinance companies in Lathrop, 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.
Loans & Notary
17209 Bach Ct, Lathrop, CA 95330
4088599682
Jasmine Wen Home Loan
15315 Trolley St, Lathrop, CA 95330
4083298123
BluRidge Home Loans
17395 S Manthey Rd STE 1038, Lathrop, CA 95330
2092369007
Chase Mortgage
15318 S Harlan Rd, Lathrop, CA 95330
2098581959
Sunset Home Loans
15810 S Harlan Rd, Lathrop, CA 95330
2092496216
Mortgage refinance companies in Lathrop, California help homeowners lower their interest rates, reduce monthly payments, or switch loan types. Under California law, borrowers have a three-day right of rescission after signing most refinance documents, allowing them to cancel without penalty. Local lenders in Lathrop are familiar with San Joaquin County property values and can guide you through the process.
What Does a Mortgage Refinance Company in Lathrop Cost?
Typical costs for a mortgage refinance in California range from 2% to 6% of the loan amount. For a $400,000 loan, this means $8,000 to $24,000 in fees, including origination charges, appraisal fees ($400 to $700), and title insurance ($1,000 to $3,000). California also requires a documentary transfer tax, which in San Joaquin County is 0.11% of the loan amount. These costs vary by lender, loan type, and property value. 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 documents do I need to refinance a mortgage in Lathrop?
You typically need recent pay stubs, tax returns, bank statements, and proof of homeowners insurance. Lenders also require a property appraisal to confirm the home value in San Joaquin County.
How long does a mortgage refinance take in California?
Most refinances close in 30 to 45 days. California law requires a three-day waiting period after signing the closing documents, so the total timeline may be slightly longer.
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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.