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Find Mortgage Refinance Companies Near You in Hayward, CA
Looking for a mortgage refinance company in Hayward? Review the directory below to compare your options.
2 agents listed
Updated May 2026
Hayward, 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 2 mortgage refinance companies in Hayward, 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.
Motto Mortgage Golden Standard
781 W Tennyson Rd, Hayward, CA 94544
5108680000
J. Morthon Mortgage Refinance Hayward California
24301 Southland Dr, Hayward, CA 94542
5108803990
Mortgage refinance companies in Hayward California help homeowners replace their existing home loan with a new one. This can lower monthly payments or change loan terms. Under California law, borrowers have a three-day right of rescission after signing refinance documents for most primary residences.
What Does a Mortgage Refinance Company in Hayward Cost?
Typical costs for a mortgage refinance in California range from 2 to 6 percent of the loan amount. This includes lender fees, appraisal fees, title insurance, and recording fees. For a 400,000 dollar loan, closing costs often fall between 8,000 and 24,000 dollars. Some lenders offer no-closing-cost refinances but charge a higher interest rate. 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 is the waiting period to refinance after buying a home in Hayward?
Most lenders require a six-month waiting period after the original purchase before you can refinance. This is a standard industry guideline, not a California law. Some cash-out refinances may require longer ownership.
Do I need a home appraisal to refinance in Hayward California?
Yes, most refinance loans require a new appraisal to determine your home current value. California law does not waive this requirement. However, some government-backed loans like FHA streamline refinances may not need a full appraisal.
Can I refinance if I have a second mortgage on my Hayward home?
Yes, you can refinance with a second mortgage. The new loan must pay off both the first and second loans. Your lender will check that your combined loan-to-value ratio meets their requirements.
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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.