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Compare Mortgage Refinance Companies in Manteca, CA

Directory of mortgage refinance companies in Manteca, California. Verify credentials with the state state mortgage licensing authority before hiring.

13 agents listed
Updated June 2026
Manteca, 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 13 mortgage refinance companies in Manteca, 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.
Joe Villegas at CrossCountry Mortgage
249 N Main St, Manteca, CA 95336
(209) 645-1366 joevillegasgroup.com
Academy Mortgage Manteca
1215 W Center St #204, Manteca, CA 95337
(209) 823-4680 academymortgage.com
OneMain Financial
1491 W Yosemite Ave, Manteca, CA 95337
(209) 239-1285 onemainfinancial.com
Miroslava Ramirez - CrossCountry Mortgage
1600 W Yosemite Ave STE 1, Manteca, CA 95337
(909) 532-1846 crosscountrymortgage.com
Guild Mortgage - Stephanie Remmen
1463 Moffat Blvd Suite 4 Office 2 & 3, Manteca, CA 95336
(209) 406-9749 branches.guildmortgage.com
Guild Mortgage - Jim Camara
1463 Moffat Blvd Suite 4 Office 2 & 3, Manteca, CA 95336
(209) 981-5626 branches.guildmortgage.com
Angela Jimenez
1463 Moffat Blvd Unit 1 & 2, Manteca, CA 95336
(209) 351-1355 yourloanladyforlife.com
Chase Mortgage
115 W Center St, Manteca, CA 95336
(209) 823-1742 chase.com
Chase Mortgage
123 Spreckels Ave, Manteca, CA 95336
(209) 825-4109 chase.com
PNC Mortgage
201 N Main St, Manteca, CA 95336
(209) 239-1381 pnc.com
US Bank Mortgage
Manteca, CA 95337
(800) 872-2657 usbank.com
Golden State Real Estate And Mortgage Corporation
1765 Queensland Ave, Manteca, CA 95337
(805) 265-3260 goldenstate-realestate.com
Guild Mortgage Company
1463 Moffat Blvd Suite 4 Office 2 & 3, Manteca, CA 95336
(209) 823-4680 branches.guildmortgage.com

Mortgage refinance companies in Manteca California help homeowners lower their interest rate or change loan terms. California law requires lenders to provide a Loan Estimate within three business days of application. Local companies understand the San Joaquin County housing market and can guide you through the process.

What Does a Mortgage Refinance Company in Manteca Cost?

Typical costs for a mortgage refinance in California include an origination fee of 0.5 to 1 percent of the loan amount, appraisal fees of 400 to 700 dollars, and title insurance of 500 to 1,500 dollars. Third party fees such as credit report and escrow add another 200 to 500 dollars. Total closing costs often range from 2,000 to 5,000 dollars depending on 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 Manteca?
You typically need pay stubs, tax returns, bank statements, and a valid ID. California lenders also require a property appraisal to confirm home value.
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 work takes longer.
Are there California specific rules for refinancing?
Yes, California has anti-predatory lending laws that limit prepayment penalties and require clear disclosure of fees. Lenders must follow the California Financing Law.

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