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Find Mortgage Refinance Companies Near You in Oakland, CA
Directory of mortgage refinance companies in Oakland, California. Verify credentials with the state mortgage licensing authority before hiring.
15 agents listed
Updated May 2026
Oakland, 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 15 mortgage refinance companies in Oakland, 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.
Brady Thomas | LaSalle Mortgage - NMLS #396946
4200 Broadway Suite 2, Oakland, CA 94611
5105010504
Vic Joshi's Straight Deal Mortgage
4811 Telegraph Ave #511, Oakland, CA 94609
5106552868
Joey Wolf - Loan Advisor - NMLS#1559990
4200 Broadway Suite 2, Oakland, CA 94611
5106290378
Jay Sondhi | U.S. Bank | Oakland Mortgage Loan Officer
1998 Mountain Blvd, Oakland, CA 94611
5107312887
Levias Lending LLC
5608 Shattuck Ave., Oakland, CA 94609
5109297234
Brenda Wyatt
4200 Broadway Suite 2, Oakland, CA 94611
5107617071
Holmgren & Associates
4200 Broadway, Oakland, CA 94611
5103392121
LaSalle Mortgage
4200 Broadway Suite 2, Oakland, CA 94611
5103394300
Mari Parsnick-LaSalle Mortgage
6201 Antioch St #200, Oakland, CA 94611
5104266274
Quiana Petry
4200 2 Broadway, Oakland, CA 94611
2095899735
Patricia N. Chavez, Broker-Owner at GSME | NMLS 296489
6737 Skyview Dr, Oakland, CA 94605
4155166822
Andrew Spellman | Lasalle Mortgage NMLS #1115346
4200 Broadway Suite 2, Oakland, CA 94611
5105085492
Lara Blake | RPM Mortgage, Inc.
3608 Grand Ave #203, Oakland, CA 94610
5102019099
Ameriverse Reverse Mortgage Oakland
66 Franklin St Suite 300, Oakland, CA 94607
5105195220
Citi Capital Mortgage Company
300 Frank H. Ogawa Plaza STE 250, Oakland, CA 94612
5103764713
A mortgage refinance company in Oakland California helps homeowners replace their existing home loan with a new one. California law requires lenders to provide clear disclosures under the Truth in Lending Act and California Civil Code Section 1916.5 for adjustable rate loans. Oakland homeowners often refinance to lower their interest rate or switch from an adjustable to a fixed rate loan.
What Does a Mortgage Refinance Company in Oakland Cost?
Typical costs for a mortgage refinance in California include an origination fee of 0.5 to 1 percent of the loan amount, an appraisal fee of 400 to 700 dollars, and title insurance of 500 to 1,000 dollars. Third party fees for credit reports and recording also apply, often totaling 2 to 5 percent of the loan principal. 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 Oakland?
You typically need pay stubs, tax returns, bank statements, and a property appraisal. California law also requires a good faith estimate of closing costs within three business days of your application.
How long does a mortgage refinance take in California?
Most refinances close in 30 to 45 days. California law gives you a three day right of rescission after signing, meaning you can cancel the loan for any reason within that time.
Are there prepayment penalties for refinancing in California?
California law generally prohibits prepayment penalties on loans over 500,000 dollars. For smaller loans, penalties may apply only during the first three years and cannot exceed 2 percent of the balance.
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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.