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Directory of mortgage refinance companies in San Jose, California. Verify credentials with the state mortgage licensing authority before hiring.
20 agents listed
Updated May 2026
San Jose, 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 San Jose, 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.
InstaMortgage Inc.
4100 Moorpark Ave #221, San Jose, CA 95117
8556445626
Wonder Rates
621 Tully Rd #125, San Jose, CA 95111
4086001900
The Mortgage Outlet
200 N Almaden Blvd Suite 200, San Jose, CA 95110
4083525120
Esther Chien Mortgage - The Loan Story
4880 Stevens Creek Blvd # 200, San Jose, CA 95129
5105529991
C2 Financial Corporation - Elva Wormley - Mortgage Broker
1930 Camden Ave #1b, San Jose, CA 95124
4086158500
First Stop Mortgage Corporation
2114 Senter Rd STE 11, San Jose, CA 95112
4089006789
Jason Shi
2051 Junction Ave STE 237, San Jose, CA 95131
4089166313
Yvonne Wu & Maria Chen - The Loan Story
4880 Stevens Creek Blvd # 200, San Jose, CA 95129
4087809991
Help U Lend
2268 Senter Rd Suite 166A, San Jose, CA 95112
4088836958
Morgan Real Estate & Financial, Inc
2051 Junction Ave STE 237, San Jose, CA 95131
4083208080
Tina Elias Mortgage - The Loan Story
4880 Stevens Creek Blvd # 200, San Jose, CA 95129
4083660311
Brandon Knapp at CrossCountry Mortgage
1080 Minnesota Ave Ste 1, San Jose, CA 95125
4085833205
American Pacific Mortgage- Pruneyard/SanJose
2190 Stokes St #202, San Jose, CA 95128
4085993222
Mortgage Magic
1625 The Alameda UNIT 310, San Jose, CA 95126
4089752400
Stephen Wong - Bayone Reic
1754 Technology Dr STE 108, San Jose, CA 95110
4087808228
Butler Home Loans - David Butler
838 Daffodil Way, San Jose, CA 95117
4086048448
The X Mortgage
2150 N First St Ste 449, San Jose, CA 95131
4088785368
The Hutton Mortgage Team- San Jose Branch
1080 Minnesota Ave Ste 1, San Jose, CA 95125
4084268755
Manka Mortgages
1022 Lancer Dr, San Jose, CA 95129
4084695086
Nationwide Mortgage NMLS 32417
1963 O'Toole Way, San Jose, CA 95131
9495888453
A mortgage refinance company in San Jose California helps homeowners replace their existing home loan with a new one. California law allows borrowers to refinance without prepayment penalties on most loans. Local lenders in San Jose understand the high property values and competitive housing market in Santa Clara County.
What Does a Mortgage Refinance Company in San Jose Cost?
Typical costs for a mortgage refinance in California include an application fee of 300 to 500 dollars, an appraisal fee of 400 to 700 dollars, and title insurance which can cost 1000 to 2000 dollars. Closing costs usually total 2 to 5 percent of the loan amount. For a 600000 dollar loan, expect 12000 to 30000 dollars in fees. 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 a mortgage refinance in San Jose?
A standard refinance in California usually takes 30 to 45 days from application to closing. Delays can occur if an appraisal is needed or if documents are incomplete. California law requires a three business day rescission period after signing.
Are there California specific rules for refinancing a mortgage?
Yes. California Civil Code Section 2948.5 requires lenders to provide a good faith estimate of costs. Also, California prohibits prepayment penalties on loans over 500000 dollars unless certain conditions are met. Always review the Loan Estimate form carefully.
What documents do I need for a refinance application in San Jose?
You typically need pay stubs, W-2 forms, tax returns, bank statements, and a photo ID. For self employed borrowers, California lenders may ask for two years of profit and loss statements. Having these ready can speed up the process.
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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.