Home Refinancing Richmond CA

Homeowners can apply for home refinancing, meaning they can get an entirely new mortgage on their home. This can be advantageous when mortgage interest rates fall below what they were when the original mortgage was taken out. This will result in lower payments and savings over the entire life of the loan. But homeowners must meet certain criteria before they can refinance; homeowners’ credit file will be reviewed, and a title report along with a report on liens on the property will be done, among other things, when the homeowner is going through the application process.

United Security Financial
(510) 237-4457
433 Nevin Avenue
Richmond, CA
 
Pinnacle Financial Corporation
(510) 262-0550
2936A Hilltop Mall Rd
San Pablo, CA
 
U.s. Financial Mortgage Corporation
(510) 758-3035
4973 Appian Way
El Sobrante, CA
 
Flagstar Bank Fsb
(510) 592-0920
3700 San Pablo Ave # B-4
Hercules, CA
 
Golden Empire Mortgage Inc
(510) 653-5101
5801 Christie Ave Ste 590
Emeryville, CA
 
All California Mortgage Inc
(510) 669-3444
3220 Blume Drive Suite-160
Richmond, CA
 
Mechanics Bank-richmond
(510) 669-3014
3170 Hilltop Mall Rd
San Pablo, CA
 
Veterans Home Mortgage Inc
(510) 280-4278
1962 University Ave Fl 2
Berkeley, CA
 
Pacific Commonwealth Mtg Co
(415) 435-8400
1100 Mar West Street Ste E
Tiburon, CA
 
Thomas Chambers Company
(510) 601-0116
6333 Telegraph Ave Suite 201
Oakland, CA
 
Opinion Corner
People in California shared their opinions about Home Mortgage
Do you own or rent a home?
Own: 53%
Rent: 43%
Other: 2%
The recent credit crisis seems to have affected everyone. How has it affected you?
I have lost my home: 6%
I have had to downgrade my home: 9%
I am living paycheck to paycheck: 27%
I have eliminated some of my expenses in order to keep my home: 30%
It has not affected me: 19%
Other: 7%
What is the value of your house in relation to your outstanding mortgage?
I am in the red: 20%
I have some equity in my home: 48%
I own my home outright: 14%
I have no idea: 14%
Other: 1%
Have you been able to take advantage of the lower interest rates and refinance your mortgage?
Yes: 34%
I have tried but have not been successful: 31%
No: 33%
Have your savings/retirement funds been affected?
No, haven’t touched my savings/retirement: 40%
Yes, they were slightly affected: 34%
Yes, they were significantly affected/drained: 25%
Source: Survey.com