Skip to main content

Mortgage Refinance Companies in Modesto, CA

Compare mortgage refinance companies in Modesto. Review contact information and insurance categorys before you decide.

20 agents listed
Updated June 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 State Mortgage Licensing Authority of 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
(800) 544-8538 nextgenhomeloans.com
Alex The Lender
1718 H St, Modesto, CA 95354
(209) 756-6479
Academy Mortgage - Modesto
1001 Sylvan Ave Bldg B, Modesto, CA 95350
(209) 809-2312 academymortgage.com
Ed Parcaut - Mortgage Broker - Lending For Living
121 Rue De Yoe, Modesto, CA 95354
(209) 528-0509 edparcaut.com
Lending Assets
1356 Mitchell Rd Suite B, Modesto, CA 95351
(800) 408-9047 lendingassets.com
NorCal Mortgage
1127 13th St A, Modesto, CA 95354
(800) 579-3768 norcalmortgagepros.com
Jesse Santana Home Loans
823 15th St, Modesto, CA 95354
(209) 505-1821 rate.com
Josh Dobson - MortgageDadof3
1409 Standiford Ave Suite 1, Modesto, CA 95350
(209) 988-9284 mortgagedadof3.com
Alex Pallios - Generations Home Loans
1230 E Orangeburg Ave suite c, Modesto, CA 95350
(209) 202-0600 scenicoaks.com
Alameda Mortgage Corporation
1101 Sylvan Ave suite c-102, Modesto, CA 95350
(209) 568-4941 amc-modesto.com
Sondra Yates, CrossCountry Mortgage
3001 Coffee Rd Suite 2 & 7, Modesto, CA 95355
(209) 495-3562 sondrayates.com
Victor Martinez- Next Gen Home Loans| Financing for All, Hablamos Español
909 15th St #1, Modesto, CA 95354
(209) 780-1015 vichomeloans.com
Aaron C. McKeon-Generations Home Loans
1230 E Orangeburg Ave suite c, Modesto, CA 95350
(209) 380-3913 thecamortgagepro.com
THE MORTGAGE DR
3421 Tully Rd Ste A, Modesto, CA 95350
(209) 210-1840 themtgdr.com
Ability Ambeck Mortgage
220 Standiford Ave Suites G & J, Modesto, CA 95350
(209) 521-4480 abilityambeckmortgage.com
Up Star Home Mortgage Inc.
2005 Evergreen Ave, Modesto, CA 95350
(209) 846-5188 upstarhomemortgage.com
IMS Lending
3421 Tully Rd Ste A, Modesto, CA 95350
(800) 936-3220 imslending.com
Platinum Home Mortgage - Modesto
2909 Coffee Rd # 4, Modesto, CA 95355
(209) 554-6949
Carrollton Mortgage Co
3430 Tully Rd Ste 46, Modesto, CA 95350
(209) 526-6200 carrolltonmortgage.com
The Tubera Team
1301 L St Suite 1, Modesto, CA 95354
(209) 409-4550 thetuberateam.com

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.

Mortgage Refinance Companies in Other California Cities