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Mortgage Refinance Companies in Menlo Park, CA

Browse mortgage refinance companies serving Menlo Park, California. Contact information and addresses listed below.

4 agents listed
Updated June 2026
Menlo Park, 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 4 mortgage refinance companies in Menlo Park, 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.
Serenity Home Loans
3875 Bohannon Dr #2520, Menlo Park, CA 94026
(650) 800-1520 serenityhomeloans.com
Luxuriant Mortgage
885 Oak Grove Ave #301b, Menlo Park, CA 94025
(650) 246-9670 luxuriantmortgage.com
Victor Chow - 985762 - Wells Fargo Home Mortgage
735 Santa Cruz Ave, Menlo Park, CA 94025
(510) 335-5592 homeloans.wellsfargo.com
US Bank Mortgage
1105 El Camino Real, Menlo Park, CA 94025
(800) 872-2657 usbank.com

A mortgage refinance company in Menlo Park California helps homeowners replace their existing home loan with a new one. California law requires lenders to provide a Loan Estimate within three business days of application. Local companies understand the high property values in Menlo Park and can guide you through cash-out refinancing or rate-and-term changes.

What Does a Mortgage Refinance Company in Menlo Park Cost?

Typical costs for a mortgage refinance in California include an origination fee of 0.5 percent to 1 percent of the loan amount, plus appraisal fees from 400 to 700 dollars, title insurance from 500 to 1,500 dollars, and recording fees around 100 dollars. Total closing costs often range from 2,000 to 5,000 dollars or more depending on the 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 Menlo Park?
You typically need recent pay stubs, tax returns, bank statements, and a copy of your current mortgage. California lenders also require a property appraisal to confirm the 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 happen if the appraisal or title work takes longer than expected.
Are there California laws that affect mortgage refinancing?
Yes. California Civil Code Section 2943 gives borrowers the right to request a payoff demand statement. Also, lenders must follow the Homeowner Bill of Rights which limits certain fees and requires clear disclosures.

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