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Best Mortgage Refinance Companies in Carlsbad

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JP Mortgage logo

JP Mortgage

3071 Jefferson St., Carlsbad, CA 92008
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  • New Construction

JP Mortgage is open to prospective refinancing applicants in communities within the Carlsbad metro. Its center accommodates inquiries and consultations involving the factors involved in the application process, such as existing loans and credit scores. Its loan officers consult applicants to gauge their long-term financial needs, such as funding for outstanding debts, tuition fees, and home improvement projects. The firm's president, John Prietto, uses his background in finance to educate clients on matters concerning interest rate changes and trends in the local market.

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MortgageOne - Carlsbad logo

MortgageOne - Carlsbad

5860 Owens Ave, Suite 130, Carlsbad, CA 92008
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  • Multi-Family Loans

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.

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MortgageWrite logo

MortgageWrite

2292 Faraday Ave, Suite 100, Carlsbad, CA 92008
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  • Reverse Mortgages

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.

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OneTrust Home Loans logo

OneTrust Home Loans

3131 Camino Del Rio North, Suite 1680, San Diego, CA 92108
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  • New Construction
  • Multi-Family Loans

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.

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Steve Hougard Loans logo

Steve Hougard Loans

700 2nd St, Suite E, Encinitas, CA 92024
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  • New Construction
  • Reverse Mortgages

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%.

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Frequently Asked Questions

Q: What should you expect when refinancing a mortgage?

A: When refinancing a mortgage, expect to answer a lot of questions and provide documentation to back up your answers. You'll may also pay fees and closing costs of around $5,000. Additionally, expect to start over in terms of building home equity, because refinancing takes the amortization process back to the beginning.

Q: How often should you refinance your mortgage?

A: There is no recommended frequency for refinancing a mortgage. How often you should refinance is determined by when it will save you money. If you can get better terms on your mortgage by refinancing, then it’s a good time to take action.

Q: Can you refinance a first mortgage and not a second?

A: You can refinance your first mortgage and not the second one, but it can be difficult. You have to get the lender of your second mortgage to agree to the refinancing. The process is called resubordination, and some home equity lenders won’t agree. Additionally, lenders typically charge extra fees to resubordinate a loan.

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