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Compare Mortgage Refinance Companies in Santa Clara, CA

Looking for a mortgage refinance company in Santa Clara? Review the directory below to compare your options.

13 agents listed
Updated June 2026
Santa Clara, 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 13 mortgage refinance companies in Santa Clara, 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.
Santa Clara, CA
3000 Scott Blvd #208, Santa Clara, CA 95054
(408) 660-3444 guidanceresidential.com
Veridian Mortgage
2975 Bowers Ave # 315, Santa Clara, CA 95051
(408) 457-9978 veridianmortgage.com
Yilin Yu
1226 Jackson St, Santa Clara, CA 95050
(408) 207-5635 yilinmortgage.com
Mobile Home Loans
5201 Great America Pkwy Suite 320, Santa Clara, CA 95054
(707) 346-4331 mobilehomeloans.com
LaChica Loans
3390 De La Cruz Blvd STE F, Santa Clara, CA 95054
(669) 214-2510
DCI Mortgage and Investment
85 Saratoga Ave Suite 212, Santa Clara, CA 95051
(408) 657-3780 dcimortgage.com
Mortgage, Bank of America
2900 El Camino Real, Santa Clara, CA 95051
(408) 583-5894 bankofamerica.com
Katy Care - Mortgage Broker
2975 Bowers Ave # 315, Santa Clara, CA 95051
(408) 367-9700 veridianmortgage.com
ERATE
BLDG 16, 4701 Patrick Henry Dr #100, Santa Clara, CA 95054
(408) 261-7700 erate.com
Chase Home Lending
2782 Augustine Dr, Santa Clara, CA 95054
(408) 348-3641 homelendingadvisor.chase.com
Chase Home Lending
2200 El Camino Real, Santa Clara, CA 95050
(408) 661-2067 homelendingadvisor.chase.com
Mortgage, Bank of America
485 El Camino Real, Santa Clara, CA 95050
(415) 993-3678 bankofamerica.com
Happy Investments, Inc. Santa Clara CA
2010 El Camino Real suite 1015-n, Santa Clara, CA 95050
(669) 223-8669 happyinvestmentsinc.com

Mortgage refinance companies in Santa Clara California help homeowners lower their interest rate or change loan terms. California law requires lenders to provide a Loan Estimate within three business days of application. Local companies understand the competitive Santa Clara housing market and can guide you through the refinance process.

What Does a Mortgage Refinance Company in Santa Clara Cost?

Typical costs for a mortgage refinance in California range from 2000 to 7000 dollars. This includes an application fee, appraisal fee (400 to 700 dollars), title insurance, and recording fees. Closing costs vary by lender and loan amount. 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 documents do I need to refinance a mortgage in Santa Clara?
You typically need pay stubs, tax returns, bank statements, and a current mortgage statement. California lenders also require a property appraisal and proof of homeowners insurance.
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 than expected.
Are there California specific laws for mortgage refinancing?
Yes, California Civil Code Section 1916.1 limits prepayment penalties on loans over 150000 dollars. Also, lenders must follow the California Homeowner Bill of Rights for refinance transactions.

Mortgage Refinance Companies in Other California Cities

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Legal Notice BeforeMortgageUSA.com is not a law firm, mortgage referral service, or legal advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state state mortgage licensing authority association before hiring.

About Our Listings

Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state 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 State Mortgage Licensing Authority of California.

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