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  Fremont Bank Mortgage Refinance
Fremont Bank Mortgage Refinance
in Mortgage Refinance from Fremont Bank · NMLS ID #478471
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Fremont Bank Mortgage Refinance

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in Mortgage Refinance from Fremont Bank · NMLS ID #478471
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Highlights
Loan Amount Up to $2,500,000
Loan Term (Years) 10 - 30 years

Fremont Bank Mortgage Refinance Review

Fremont Bank Mortgage Refinance is offered by Fremont Bank (NMLS #478471), a bank founded in 1964 and based in Fremont, CA. Fremont Bank Mortgage Refinance is available in 4 states across the USA.

Key Takeaways

  • 3 different mortgage programs offered. Fremont Bank Mortgage Refinance refinances FHA, VA, conforming, and conventional mortgages.
  • Specializes in multi-family properties. Only offers mortgages for multi-family properties, but not for single-family homes or manufactured homes.
  • Non-standard interest rates available. Fremont Bank Mortgage Refinance offers hybrid mortgages, and fixed-rate mortgages.
  • Considers personal use and investment properties. Refinancing available for primary homes, vacation homes, and even investment homes, such as rental properties.
  • Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.

Fremont Bank Mortgage Refinance Pros & Cons

Pros Cons
  • Charges an origination fee.
  • Charges prepayment fees.
  • Only available in 4 states.

Fremont Bank Mortgage Refinance FAQ

What is the maximum loan term for a mortgage refinance via Fremont Bank refinance?

The term of a mortgage refinance will impact the cost of your monthly payments. Longer terms will typically reduce your monthly payments but it will also increase the interest you pay. Fremont Bank Mortgage Refinance offers mortgage refinancing with terms ranging from 10 to 30 years.

How long does Fremont Bank refinance take to refinance?

Fremont Bank refinance does not provide details on the average time to close a refinance. However, it typically takes 30 to 45 days to complete a refinance. Of course, a lot depends on the market, the lender, and how long appraisals and inspections take.

Does Fremont Bank refinance charge a mortgage origination fee?

Yes, Fremont Bank Mortgage Refinance will charge a loan origination fee.

What mortgage programs does Fremont Bank refinance offer?

Fremont Bank Mortgage Refinance offers the following mortgage types:

  • Conventional mortgages: This includes any mortgage that is not insured or guaranteed by the federal government.
  • FHA: Mortgages insured by the FHA, which usually have less stringent eligibility requirements, but borrowers must pay a mortgage insurance premium. Co-applicants are allowed and you can qualify for a down payment as low as 3%.
  • VA: A zero down payment mortgage or a refinance of up to 120% of the home's value for American military members, veterans, and their spouses.

What property usage types does Fremont Bank refinance allow?

Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. Fremont Bank Mortgage Refinance allows the following property usage types: 

  • Primary home
  • Secondary homes and vacation properties
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Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 6:00pm
  • Tuesday 9:00am - 6:00pm
  • Wednesday 9:00am - 6:00pm
  • Thursday 9:00am - 6:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 9:00am - 1:00pm

Other Services by Fremont Bank

Availability

  Available in 4 states
  • Arizona
  • California
  • Nevada
  • Oregon

Feature Breakdown

Intended Use
  • Primary Home
  • Secondary Home
  • Investment
APR Starting at 3.125%
Loan Term 10 - 30 years
Loan Amount Up to $2,500,000
Interest Rate Types Offered Hybrid Mortgage
Mortgage Programs
  • FHA
  • VA
Terms 5/1, 7/1, 10, 15, 30 years

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