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Best Mortgage Refinance Companies in Carlsbad

Laurels
2023
Laurels

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Bluefire Mortgage logo
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License Verified:

License: 323026

Nationwide Multistate Licensing System and Registry

Bluefire Mortgage

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2121 Palomar Airport Road Ste #150, Carlsbad, CA 92011
  • New Construction
  • Reverse Mortgages

Business Description

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.

License Verified:

License: 323026

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (128)
Yelp
4.5 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
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Detail
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DG Funding logo
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License Verified:

License: 918742

Nationwide Multistate Licensing System and Registry

DG Funding

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1932 Kellogg Ave, Carlsbad, CA 92011
  • Reverse Mortgages

Business Description

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.

License Verified:

License: 918742

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.8 / 5 (260)
Yelp
4.5 / 5 (110)
Facebook
4.8 / 5 (19)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Enzo Morales logo
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License Verified:

License: 633037

Nationwide Multistate Licensing System and Registry

Enzo Morales

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10509 Vista Sorrento Pkwy Suite 400, San Diego, CA 92121
  • Reverse Mortgages

Business Description

Enzo Morales is a C2 Financial Corporation branch manager and broker who offers mortgage refinancing to Carlsbad residents. He offers personalized mortgage solutions, customized quotes, and refinancing options for real estate properties. Morales works to make home refinancing easier for his clients by providing refinancing analysis and guiding customers in choosing the loan that is appropriate for their circumstances and needs. He has been working in the industry of home loans for two decades and is licensed and registered with the NMLS.

License Verified:

License: 633037

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (114)
Facebook
4.9 / 5 (60)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Home Mortgage Experts logo
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License Verified:

License: 393510

Nationwide Multistate Licensing System and Registry

Home Mortgage Experts

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2103 S. El Camino Real #108, Oceanside, CA 92054
  • Reverse Mortgages
  • New Construction

Business Description

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.

License Verified:

License: 393510

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (43)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
MH Loans logo
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License Verified:

License: 296451

Nationwide Multistate Licensing System and Registry

MH Loans

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2244 Faraday Avenue Suite 92, Carlsbad, CA 92008
  • New Construction
  • Reverse Mortgages

Business Description

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.

License Verified:

License: 296451

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Facebook
4.8 / 5 (17)
Google
5.0 / 5 (15)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
MortgageOne - Carlsbad logo
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License Verified:

License: 898812

Nationwide Multistate Licensing System and Registry

MortgageOne - Carlsbad

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

Business Description

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.

License Verified:

License: 898812

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (355)
Yelp
4.5 / 5 (10)
Facebook
5.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
MortgageWrite logo
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License Verified:

License: 2248753

Nationwide Multistate Licensing System and Registry

MortgageWrite

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

Business Description

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.

License Verified:

License: 2248753

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
North Coast Financial logo
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License Verified:

License: 323044

Nationwide Multistate Licensing System and Registry

North Coast Financial

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2424 Vista Way #202, Oceanside, CA 92054
  • New Construction

Business Description

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.

License Verified:

License: 323044

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
5.0 / 5 (55)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
OneTrust Home Loans logo
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License Verified:

License: 46375

Nationwide Multistate Licensing System and Registry

OneTrust Home Loans

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

Business Description

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.

License Verified:

License: 46375

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Facebook
4.7 / 5 (164)
Yelp
5.0 / 5 (25)
Google
4.9 / 5 (18)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
RealMortgage logo
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License Verified:

License: 1612358

Nationwide Multistate Licensing System and Registry

RealMortgage

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2173 Salk Ave. #250, Carlsbad, CA 92008
  • New Construction
  • Reverse Mortgages

Business Description

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.

License Verified:

License: 1612358

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (57)
Facebook
5.0 / 5 (9)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Steve Hougard Loans logo
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License Verified:

License: 246875

Nationwide Multistate Licensing System and Registry

Steve Hougard Loans

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

Business Description

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%.

License Verified:

License: 246875

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (170)
Facebook
5.0 / 5 (14)