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 4 mortgage refinance companies in Saratoga, 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.
UVC Financial
12280 Saratoga Sunnyvale Rd STE 206, Saratoga, CA 95070
4083146328
Private Mortgage Advisors - Saratoga
12772 Saratoga Sunnyvale Rd #1000, Saratoga, CA 95070
9255941920
Coast Residential Funding, Inc.
14415 Big Basin Wy, Saratoga, CA 95070
4088669070
Chase Mortgage
14410 Big Basin Wy, Saratoga, CA 95070
4088689214
What Does a Mortgage Refinance Company in Saratoga Cost?
Typical costs for a mortgage refinance in California range from 2% to 5% of the loan amount. For a $500,000 loan, this means $10,000 to $25,000 in fees including appraisal, title insurance, and origination charges. Some lenders offer no-closing-cost options but charge a higher interest rate. 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 is a mortgage refinance company in Saratoga?
A mortgage refinance company in Saratoga helps homeowners get a new loan to replace their current mortgage. They handle the application, underwriting, and closing process. California law requires these companies to be licensed by the Department of Financial Protection and Innovation.
How long does a mortgage refinance take in California?
A typical mortgage refinance in California takes 30 to 45 days from application to closing. This timeline can vary based on the lender workload and property appraisal. California law gives you a three-day right of rescission after signing to cancel the loan without penalty.
What documents do I need for a refinance in Saratoga?
You will need recent pay stubs, tax returns, bank statements, and proof of homeowners insurance. The lender will also require a property appraisal. California lenders must follow the Homeowner Bill of Rights, which includes protections against dual tracking during the process.