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Compare mortgage refinance companies in Fair Oaks. Review contact information and insurance categorys before you decide.
3 agents listed
Updated May 2026
Fair Oaks, 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 3 mortgage refinance companies in Fair Oaks, 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.
Empire Home Loans, Inc.
4401 Hazel Ave #225, Fair Oaks, CA 95628
9168044768
Tri Valley Home Loans LLC
7844 Madison Ave #111, Fair Oaks, CA 95628
9169052500
Mortgage Broker - Rocky Forlano
4401 Hazel Ave Suite 135, Fair Oaks, CA 95628
9168969820
Mortgage refinance companies in Fair Oaks California help homeowners lower their interest rate or change loan terms. California law requires lenders to provide a Loan Estimate within three business days of application. Local Fair Oaks lenders understand the Sacramento County property market and can guide you through the refinance process.
What Does a Mortgage Refinance Company in Fair Oaks Cost?
Typical costs for a mortgage refinance in California range from 2 to 5 percent of the loan amount. For a 400,000 dollar loan, this means 8,000 to 20,000 dollars in fees. Common expenses include an origination fee of 0.5 to 1 percent, appraisal fees of 500 to 700 dollars, and title insurance of 1,500 to 3,000 dollars. California also charges a documentary transfer tax of 1.10 dollars per 1,000 dollars of the loan amount in most counties. 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 the typical timeline for refinancing a mortgage in Fair Oaks California?
A standard refinance in California usually takes 30 to 45 days from application to closing. The timeline can vary based on appraisal scheduling and lender workload. California law requires a three business day review period after you receive the Closing Disclosure.
Do I need a home appraisal to refinance in Fair Oaks?
Most lenders require a home appraisal for a rate and term refinance in California. Some streamline programs may waive the appraisal if you have enough equity. The appraisal cost in Fair Oaks typically ranges from 500 to 700 dollars.
What California fees apply when refinancing a mortgage?
California charges a documentary transfer tax when a new deed is recorded, usually 1.10 dollars per 1,000 dollars of the loan amount. Other fees include title insurance, escrow fees, and recording fees. These costs are disclosed on the Loan Estimate you receive within three business days of applying.
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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.