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Compare Mortgage Refinance Companies in Los Altos, CA

Looking for a mortgage refinance company in Los Altos? Review the directory below to compare your options.

16 agents listed
Updated June 2026
Los Altos, 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 State Mortgage Licensing Authority of California before hiring.
Showing 16 mortgage refinance companies in Los Altos, 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.
Satish K Dadral - 450886 - Wells Fargo Home Mortgage
467 1st St Suite 100, Los Altos, CA 94022
(650) 559-2022 homeloans.wellsfargo.com
Nicole Santizo at Rate (NMLS #582907)
167 S San Antonio Rd Suite 16, Los Altos, CA 94022
(650) 584-0958 rate.com
Jerome Sierra - 448230 - Wells Fargo Home Mortgage
467 1st St Suite 100, Los Altos, CA 94022
(650) 996-2661 homeloans.wellsfargo.com
Tanya Click at Rate (NMLS #307893)
167 S San Antonio Rd Suite 16, Los Altos, CA 94022
(408) 710-0265 rate.com
Milestone Financial LLC
4962 El Camino Real STE 201, Los Altos, CA 94022
(650) 316-8970 milestonefinancial.net
Bee Wong at Rate (NMLS #281727)
167 S San Antonio Rd Suite 16, Los Altos, CA 94022
(415) 860-0012 rate.com
Gisele Chopaan - 459722 - Wells Fargo Home Mortgage
467 1st St Suite 100, Los Altos, CA 94022
(510) 909-8942 homeloans.wellsfargo.com
Princeton Capital
161 S San Antonio Rd, Los Altos, CA 94022
(650) 947-2296
Rate
167 S San Antonio Rd Suite 16, Los Altos, CA 94022
(650) 584-0958 rate.com
David L Baker - 448768 - Wells Fargo Home Mortgage
467 1st St Ste 100, Los Altos, CA 94022
(650) 559-2018 homeloans.wellsfargo.com
Wells Fargo Home Mortgage
467 1st St Suite 100, Los Altos, CA 94022
(650) 559-2018 homeloans.wellsfargo.com
Chase Home Lending
199 Main St, Los Altos, CA 94022
(650) 393-0338 homelendingadvisor.chase.com
May Wu - 733753 - Wells Fargo Home Mortgage
467 1st St Ste 100, Los Altos, CA 94022
(650) 575-4428 homeloans.wellsfargo.com
US Bank Mortgage
300 Main St, Los Altos, CA 94022
(800) 872-2657 usbank.com
Candy Lew - Chase Home Lending Advisor - NMLS ID 694541
199 Main St, Los Altos, CA 94022
(650) 393-0338 homelendingadvisor.chase.com
Sean Ban - 1568126 - Wells Fargo Home Mortgage
467 1st St Suite 100, Los Altos, CA 94022
(408) 309-6339 homeloans.wellsfargo.com

Mortgage refinance companies in Los Altos, California help homeowners adjust their loan terms or lower their interest rates. Under California law, borrowers have a three-day right of rescission for most refinances on a primary residence. This directory connects you with licensed lenders familiar with Santa Clara County property values and local market conditions.

What Does a Mortgage Refinance Company in Los Altos Cost?

Typical costs for a mortgage refinance in California range from 2 to 5 percent of the loan amount. This includes an appraisal fee of $400 to $700, title insurance of $1,000 to $3,000, and lender origination fees of 0.5 to 1 percent. Recording fees and escrow costs add several hundred dollars more. 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 Los Altos?
You typically need recent pay stubs, W-2 forms, tax returns, bank statements, and a property appraisal. California lenders also require proof of homeowners insurance and a valid government ID.
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 is needed or if the title search finds issues.
Are there California-specific laws for refinancing?
Yes. California Civil Code Section 2941 requires the lender to reconvey the deed of trust within 30 days after the loan is paid off. Also, prepayment penalties are restricted on most loans over $150,000.

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