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Showing 2 mortgage refinance companies in Patterson, 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.
Generations Home Loans- Brenda Araisa
4 N Salado Ave, Patterson, CA 95363
2096485534
JCG Home Loans
786 Beachwood Ln, Patterson, CA 95363
2092168959
What Does a Mortgage Refinance Company in Patterson Cost?
Typical costs for a mortgage refinance in California range from 2% to 5% of the loan amount. This includes an appraisal fee of $400 to $700, title insurance of $800 to $2,000, and lender origination fees of 0.5% to 1% of the loan. Actual costs depend on your loan size, credit score, 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 Patterson?
You typically need pay stubs, tax returns, bank statements, and a photo ID. California lenders also require a signed application and a property appraisal. Each company may ask for additional documents based on your loan type.
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 is slow or if additional documents are needed. Federal and state laws require a three-day rescission period after signing.
Are there California-specific rules for refinancing?
Yes, California law limits prepayment penalties on most loans and requires lenders to give you a Loan Estimate within three business days. The California Homeowner Bill of Rights also provides protections against foreclosure during the refinance process.