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Compare mortgage refinance companies in Modesto. Review contact information and insurance categorys before you decide.
20 agents listed
Updated May 2026
Modesto, 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 Modesto, 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.
Next Gen Home Loans
909 15th St #1, Modesto, CA 95354
8005448538
Alex The Lender
1718 H St, Modesto, CA 95354
2097566479
Academy Mortgage - Modesto
1001 Sylvan Ave Bldg B, Modesto, CA 95350
2098092312
Ed Parcaut - Mortgage Broker - Lending For Living
121 Rue De Yoe, Modesto, CA 95354
2095280509
Lending Assets
1356 Mitchell Rd Suite B, Modesto, CA 95351
8004089047
NorCal Mortgage
1127 13th St A, Modesto, CA 95354
8005793768
Jesse Santana Home Loans
823 15th St, Modesto, CA 95354
2095051821
Josh Dobson - MortgageDadof3
1409 Standiford Ave Suite 1, Modesto, CA 95350
2099889284
Alex Pallios - Generations Home Loans
1230 E Orangeburg Ave suite c, Modesto, CA 95350
2092020600
Alameda Mortgage Corporation
1101 Sylvan Ave suite c-102, Modesto, CA 95350
2095684941
Sondra Yates, CrossCountry Mortgage
3001 Coffee Rd Suite 2 & 7, Modesto, CA 95355
2094953562
Victor Martinez- Next Gen Home Loans| Financing for All, Hablamos Español
909 15th St #1, Modesto, CA 95354
2097801015
Aaron C. McKeon-Generations Home Loans
1230 E Orangeburg Ave suite c, Modesto, CA 95350
2093803913
THE MORTGAGE DR
3421 Tully Rd Ste A, Modesto, CA 95350
2092101840
Ability Ambeck Mortgage
220 Standiford Ave Suites G & J, Modesto, CA 95350
2095214480
Up Star Home Mortgage Inc.
2005 Evergreen Ave, Modesto, CA 95350
2098465188
IMS Lending
3421 Tully Rd Ste A, Modesto, CA 95350
8009363220
Platinum Home Mortgage - Modesto
2909 Coffee Rd # 4, Modesto, CA 95355
2095546949
Carrollton Mortgage Co
3430 Tully Rd Ste 46, Modesto, CA 95350
2095266200
The Tubera Team
1301 L St Suite 1, Modesto, CA 95354
2094094550
A mortgage refinance company in Modesto California helps 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 Modesto 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 of $500 to $1,500. Total closing costs often range from 2% to 5% of the loan amount. These costs vary by lender and loan type. 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 my mortgage in Modesto?
You typically need pay stubs, tax returns, bank statements, and proof of homeowners insurance. California lenders also require a property appraisal to confirm home value.
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 an appraisal or title work takes longer.
Can I refinance if I have a second mortgage on my Modesto home?
Yes, you can refinance with a second mortgage. The new loan must pay off both the first and second loans, or the second lender must agree to remain in place.
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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.