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Compare Mortgage Refinance Companies in Los Gatos, CA
Looking for a mortgage refinance company in Los Gatos? Review the directory below to compare your options.
20 agents listed
Updated May 2026
Los Gatos, 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 20 mortgage refinance companies in Los Gatos, 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.
Direct Mortgage Funding
236 N Santa Cruz Ave STE 103, Los Gatos, CA 95030
4083952000
New American Funding - Los Gatos, CA
1615 Los Gatos Blvd Ste 205, Los Gatos, CA 95032
4082283392
Robert Huibers, Mortgage Advisor
61 E Main St D, Los Gatos, CA 95032
6507201790
Guaranteed Rate Affinity - Robert Bachman
16185 Los Gatos Blvd Suite 205 Office 38, Los Gatos, CA 95032
4088582663
FIDA FUND
634 N Santa Cruz Ave UNIT 209, Los Gatos, CA 95030
6502003828
Direct Mortgage Funding: Michele Morse Reen
236 N Santa Cruz Ave Suite 101, Los Gatos, CA 95030
4086261879
Bayview Residential Brokerage
987 University Ave STE 12, Los Gatos, CA 95032
4082982591
Mark Smith Home Loans
455 Los Gatos Blvd, Los Gatos, CA 95032
4084823165
New American Funding - Stephen McKenzie
497 N Santa Cruz Ave, Los Gatos, CA 95030
4084609559
New American Funding - Chris Allen
16185 Los Gatos Blvd #205, Los Gatos, CA 95032
4087229007
Susan Sahami, REALTOR, Sr. Mortgage Adviser
987 University Ave STE 12, Los Gatos, CA 95032
4082098705
Bryan Russell, Mortgage Consultant
459 Monterey Ave Suite 213, Los Gatos, CA 95030
4086555835
Change Home Mortgage
20 S Santa Cruz Ave # 315, Los Gatos, CA 95030
4084003402
Krista Valpreda at Guaranteed Rate Affinity (NMLS #459894)
410 N Santa Cruz Ave, Los Gatos, CA 95030
9256359202
Victoria Capital Mortgage Company
455 Los Gatos Blvd # 100, Los Gatos, CA 95032
4083916550
Westside Mortgage Group
569 University Ave, Los Gatos, CA 95032
4083541864
Golden Mortgage Company, Inc.
223 W Main St D, Los Gatos, CA 95030
6692327045
Silicon Valley Mortgage
451 Los Gatos Blvd UNIT 104, Los Gatos, CA 95032
4084189811
Happy Investments, Inc. Los Gatos CA
15559 Union Ave Suite 3025 F, Los Gatos, CA 95032
6692211550
Mortgage, Bank of America
333 N Santa Cruz Ave, Los Gatos, CA 95030
6692912056
Mortgage refinance companies in Los Gatos, California help homeowners adjust their loan terms or lower their interest rates. California law requires lenders to provide a Loan Estimate within three business days of application. This local service area includes properties in Santa Clara County, where home values often influence refinance options.
What Does a Mortgage Refinance Company in Los Gatos Cost?
Typical costs for a mortgage refinance in California include an origination fee of 0.5% to 1% of the loan amount, an appraisal fee of $400 to $700, and title insurance costs of $1,000 to $3,000. Other fees may include credit report charges and recording fees. Total closing costs often range from 2% to 5% of the loan principal. 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 home in Los Gatos?
You typically need pay stubs, tax returns, bank statements, and a property appraisal. California lenders also require proof of homeowners insurance. The exact list depends on your loan type and lender.
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 occur if the appraisal or title search takes longer. Your lender must give you a Closing Disclosure at least three business days before closing.
Are there California-specific rules for refinancing?
Yes. California law limits prepayment penalties on most loans. Lenders cannot charge a penalty if you pay off the loan early on a loan amount under certain thresholds. Also, California requires a detailed Loan Estimate and Closing Disclosure to protect borrowers.
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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.