Expertise.com

2024

Last updated:

Best Mortgage Refinance Companies in Carlsbad

Our Recommended Top 10

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Carlsbad Mortgage Refinance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

69Reviewed

45Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

3131 Camino Del Rio North, Suite 1680, San Diego, CA 92108
WebsiteLicense: 46375

Expertise.com Rating

Review Sources

Facebook
4.7 (164)
Yelp
5.0 (25)
Google
4.9 (18)

Why choose this provider?

OneTrust Home Loans caters to the financial needs of Carlsbad home buyers, providing them with the information and advice they need in choosing the right program. It delivers various loan products such as FHA, VA, USDA, jumbo financing, and down payment assistance. In addition to government-provided plans, the company offers portfolio loans: fix and flip for home flippers, bank statement loan programs for clients with no standard nine-to-five jobs, and construction home loans for individuals looking to build homes.

  • New Construction
  • Multi-Family Loans

2121 Palomar Airport Road Ste #150, Carlsbad, CA 92011
WebsiteLicense: 323026

Expertise.com Rating

Review Sources

Google
5.0 (128)
Yelp
4.5 (9)

Why choose this provider?

Bluefire Mortgage is a boutique residential mortgage lender that serves homebuyers in the Carlsbad metro. It provides borrowers with customized solutions that fit their unique situations and needs. Its agents strive to empower borrowers by guiding them through the whole loan process. They offer clients conventional, VA, Jumbo, FHA, fixed-rate, and adjustable-rate mortgage loans. Borrowers looking for better rates and terms can seek their services for refinancing options. Bluefire Mortgage aims to provide clients with timely results and open communication lines.

  • New Construction
  • Reverse Mortgages

2424 Vista Way #202, Oceanside, CA 92054
WebsiteLicense: 323044

Expertise.com Rating

Review Sources

Google
5.0 (55)

Why choose this provider?

North Coast Financial is a hard money lender that offers cash-out refinance loans to homeowners and property developers in Carlsbad. It offers cash-out refinance on investment property and hard money refinance for an owner-occupied primary residence. The company also offers a variety of other hard money loans, including bridge, probates and estates, trust, fix and flip, and asset-based loans. Don Hensel, the managing broker, has been in the business since 1979 and has helped the company fund over $800 million in real estate loans.

  • New Construction

2173 Salk Ave. #250, Carlsbad, CA 92008
WebsiteLicense: 1612358

Expertise.com Rating

Review Sources

Google
5.0 (57)
Facebook
5.0 (9)
Yelp
5.0 (1)

Why choose this provider?

RealMortage is a group of mortgage brokers, loan officers, and loan originators utilizing the latest technology to deliver loan programs, refinancing, and application assistance to clients in Carlsbad and nearby areas. The company is headed by Daniel Ramirez, a mortgage loan originator since 2003. His team helps clients refinance their mortgages through rate/term and cash-out options. Its process involves an initial mortgage refinance analysis which reviews employment background, verifies assets, checks credit standing, and reviews documents.

  • New Construction
  • Reverse Mortgages

1932 Kellogg Ave, Carlsbad, CA 92011
WebsiteLicense: 918742

Expertise.com Rating

Review Sources

Google
4.8 (262)
Yelp
4.5 (117)
Facebook
4.8 (18)

Why choose this provider?

DG Funding is an independent mortgage bank that has been developing refinance processes for clients in Carlsbad for over 13 years. The agency has direct access to a variety of loan programs, including FHA, jumbo, Fannie Mae, Freddie Mac, and VA. It also gives families access to a carefully selected group of correspondent, wholesale, and portfolio lenders. DG Funding is an NMLS-licensed company that has assisted over 2,200 households and has financed over $1 billion in loans.

  • Reverse Mortgages

5860 Owens Ave, Suite 130, Carlsbad, CA 92008
WebsiteLicense: 898812

Expertise.com Rating

Review Sources

Google
5.0 (378)
Yelp
4.7 (14)
Facebook
5.0 (9)

Why choose this provider?

MortgageOne-Carlsbad helps people in the metro and the surrounding areas get loans tailored to their homeownership goals. It offers mortgage refinancing options, including FHA, VA, and cash-out, as well as fixed-rate and adjustable-rate loans. Its founder, Bryce Schetselaar, started his career in the mortgage industry as a loan originator with Bank of America during college. He aims to offer a positive customer experience by simplifying complex financial transactions. MortgageOne is licensed to do business in 23 states, including Arizona and Utah.

  • Multi-Family Loans

2244 Faraday Avenue Suite 92, Carlsbad, CA 92008
WebsiteLicense: 296451

Expertise.com Rating

Review Sources

Facebook
4.8 (17)
Google
5.0 (15)

Why choose this provider?

MH Loans is a family-run full-service lending firm that caters to customers in the Carlsbad metro and nearby areas. It has refinancing plans available with either fixed or adjustable rates, and for arrangements like a 5% down. Since 1995, the firm has served owners and buyers of in-park manufactured and mobile homes. It is both registered in NMLS and DRE and is an Equal Housing Opportunity Participant. MH Loans also operates in Florida and Texas.

  • New Construction
  • Reverse Mortgages

700 2nd St, Suite E, Encinitas, CA 92024
WebsiteLicense: 246875

Expertise.com Rating

Review Sources

Google
5.0 (170)
Facebook
5.0 (14)

Why choose this provider?

Steve Hougard Loans is a mortgage company serving local residents in the Carlsbad area and its neighboring communities. It guides clients during the home refinancing process, whether clients are seeking to enroll in a jumbo or conforming loan program. It also helps individuals achieve their homeownership goals by handling tasks, like ordering property appraisals, retrieving credit information, and overseeing loan approvals. Steve Hougard Loans was established in 1987 and has a closing ratio of 96%.

  • New Construction
  • Reverse Mortgages

2103 S. El Camino Real #108, Oceanside, CA 92054
WebsiteLicense: 393510

Expertise.com Rating

Review Sources

Google
5.0 (43)

Why choose this provider?

Home Mortgage Experts is a family-owned company that serves customers in Carlsbad and nearby areas. It offers a comprehensive approach to refinancing, helping property owners with debt consolidation and cash-out. It also assists in getting lower rates and monthly payments. It additionally works on VA financing for veterans and their families. Home Mortgage Experts provides various loan types, including FHA, USDA, conforming, jumbo, and reverse mortgages. The firm was established in 2009 by Dale Knott, who also conducts loan offer audits.

  • Reverse Mortgages
  • New Construction

2292 Faraday Ave, Suite 100, Carlsbad, CA 92008
WebsiteLicense: 2248753

Expertise.com Rating

Review Sources

Google
5.0 (12)

Why choose this provider?

MortgageWrite provides home financing solutions to clients in and around Carlsbad. It offers an array of mortgage programs, including conventional refinance, intended for borrowers with active loans and planning to cash out their home equity or modify their loan terms and rates. Its specialists also help first-time homebuyers determine their loan eligibility and find the programs that best fit their needs. Roxana E., the agency's head of loan advising, worked for correspondent lenders, credit unions, and banks for 20 years.

  • Reverse Mortgages

FAQs

  • Introduction

    Refinancing a mortgage can be a complicated process, and hiring a mortgage refinancing broker can make it simpler and faster. There are several things you can do to protect your interests and help your broker complete the process for you.

    Check a potential broker’s online reviews to find one with a good reputation. In addition to the opinions of past clients, check to see if a broker has an online portfolio, which can support the reviews you find from past clients to show a broker’s trustworthiness. This can also help you establish if a broker has handled financing for properties similar to yours.

    Get a written summary of a broker’s rates before committing so you know exactly what hiring your chosen mortgage refinance broker will cost. Find out which lenders work with your broker and what information they need to successfully refinance your mortgage.
  • What loan products do mortgage refinance companies offer in Carlsbad?

    Mortgage refinance companies in Carlsbad offer various loan products, such as jumbo, FHA, VA, USDA, and conventional loans. Generally, they provide cash-out and rate-and-term refinance options for homeowners. A cash-out refinance can provide cashback at closing and replace the existing mortgage on your home or property. A rate-and-term refinance allows you to change the interest or term of your loan.

  • What is the average monthly mortgage payment in Carlsbad?

    In California, the average monthly mortgage payment is $3,648. This average may change depending on the loan amounts, values, and interest rates in the future. In Carlsbad, the lowest rate available for a 30-year fixed mortgage in 2023 is 6.25 percent. The interest rate can range from 6.45 to 6.59 percent for fixed-rate mortgages with 30-year loan terms.

  • Why should you consider a mortgage refinance in Carlsbad?

    Lower home loan interest rates, consolidate high-interest debt, and shorten the term length are the common reasons homeowners consider a mortgage refinance in Carlsbad. Refinancing can also help clients cash out equity, drop private mortgage insurance, and move from adjustable-rate to fixed-rate options. Mortgage refinancing allows homeowners to redefine their loans and consider their current situation.

  • What other items should you consider when doing a mortgage refinance in Carlsbad?

    Property insurance, taxes, private mortgage insurance, and HOA fees are some additional items or costs you may have to consider when refinancing your mortgage in Carlsbad. Additionally, you have to consider the interest rates, terms, and other costs associated with the refinance. Your location, occupation, loan amount, credit score, and property type can also be taken into consideration.

  • Can foreigners apply for a mortgage in Carlsbad?

    Although there are mortgages offered to non-residents of California, you must have a foreign investment permit if you want to buy a real estate property in Carlsbad. Foreigners can obtain the permit through the California Department of Real Estate. Additionally, a foreigner will need an Individual Taxpayer Identification Number or a Social Security number to purchase a house in the United States.

  • How do you refinance a mortgage?

    Decide why you’re refinancing, such as to get a lower interest rate, pay off your loan faster, or to get a lower monthly payment. Share your credit information with your broker along with information about the equity you have in your home. Review your mortgage refinance broker’s quotes and choose the best loan terms.