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Best Mortgage Refinance Companies in Chula Vista

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Andre Enriques Mortgage Banker - VA Loan Expert - Chula Vista logo
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License Verified:

License: 220937

Nationwide Multistate Licensing System and Registry

Andre Enriques Mortgage Banker - VA Loan Expert - Chula Vista

891 Kuhn Drive, Chula Vista, CA 91914
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  • Reverse Mortgages

Business Description

Andre Enriques Mortgage Banker - VA Loan Expert is a mortgage refinance company in Chula Vista. Founded in 2001, the company specializes in assisting veterans with zero down VA insured loans. Mortgage refinance brokers work with homeowners to help them achieve better interest rates or lower loan terms for single-family and multifamily homes. The company also provides FHA, jumbo, and conventional loans. Additionally, reverse mortgage and USDA loans are available, along with down payment assistance programs and non-warrantable condominium loan programs. License number #220937

License Verified:

License: 220937

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
Yelp
5.0 / 5 (32)

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
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California Housing Administration logo
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License: 1805819

Nationwide Multistate Licensing System and Registry

California Housing Administration

1625 Sweetwater Road, National City, CA 91950
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  • Reverse Mortgages
  • NMLS #: 39166

Business Description

California Housing Administration is a mortgage refinancing company that serves clients in Chula Vista and the surrounding areas. The company guides clients in finding the right loan options and loan terms for their needs. Its loan options cover USDA, FHA, VA, refinance, reverse, and conventional types. The business also provides residential loan programs and construction loans. The company has a mortgage calculator that clients can readily access on the website.

License Verified:

License: 1805819

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

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
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First Priority Home Loans logo
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First Priority Home Loans

891 Kuhn Dr Ste 204, Chula VIsta, CA 91914
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Business Description

First Priority Home Loans is a mortgage lender serving clients in Chula Vista and the surrounding areas. It offers mortgage refinancing options, such as jumbo, home equity, cash-out, FHA, and VA loans, for homeowners, homebuyers, and investors. Its team of loan professionals also offers debt consolidation services to help clients pay off consumer debts and other liabilities. The company offers its online refinance advisor and purchase assistant services to reduce clients' options based on their specific needs and requirements.

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
Facebook
5.0 / 5 (4)
Google
5.0 / 5 (3)
Yelp
5.0 / 5 (3)

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
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GI Home Loans logo
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License Verified:

License: 1823586

Nationwide Multistate Licensing System and Registry

GI Home Loans

910 Hale Place, Chula Vista, CA 91914
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  • NMLS #: 39166

Business Description

GI Home Loans provides debt consolidation and home mortgage refinance in Chula Vista. This firm specializes in providing VA loans for current and former military personnel, offering reduced interest rates and no down payment to service members seeking access to affordable mortgage rates. Additionally, it provides refinancing options to alter loan payoff times and lower interest rates and has home equity, debt consolidation, and FHA loans available. This business requires no minimum credit score for potential clients.

License Verified:

License: 1823586

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 (167)
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
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Lend 18 Corp logo
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License Verified:

License: 1702439

Nationwide Multistate Licensing System and Registry

Lend 18 Corp

2220 Otay Lakes Road, Chula Vista, CA 91915
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  • Reverse Mortgages
  • NMLS #: 39166

Business Description

Lend18 has handled home mortgage refinance in Chula Vista for more than two decades. The company's refinance programs include fixed- and adjustable-rate conforming, jumbo, and super jumbo loans with terms between five and 30 years. Additionally, it handles conventional, USDA, VA, and FHA loans. The firm's mortgage professionals provide financial assistance to first-time home buyers and clients with construction or renovation projects. An online form for refinance analysis requests helps its professionals understand potential customers' needs.

License Verified:

License: 1702439

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
Facebook
5.0 / 5 (28)

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
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Mortgage Heroes logo
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License Verified:

License: 325149

Nationwide Multistate Licensing System and Registry

Mortgage Heroes

873 Anchorage Place, Chula Vista, CA 91914
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  • New Construction

Business Description

Mortgage Heroes is a locally owned and operated home loan service that serves individuals and families from Chula Vista and the surrounding areas. Its team of professionals provides different types of mortgage refinancing solutions, including cash-out refinancing and rate and term refinancing. In addition, it offers a wide variety of home mortgage loans, including VA, FHA, and conventional loans. Mortgage Heroes has been in operation since 2005. The company has served more than 1,000 clients.

License Verified:

License: 325149

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 (112)
Yelp
5.0 / 5 (14)

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
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Patriot Home Loans logo
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License Verified:

License: 325441

Nationwide Multistate Licensing System and Registry

Patriot Home Loans

823 Anchorage Place, Chula Vista, CA 91914
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  • Reverse Mortgages

Business Description

Patriot Home Loans is a mortgage broker serving clients in Chula Vista. It provides mortgage refinancing options for homeowners, homebuyers, and real estate investors. The broker offers two types of conventional loans, including one with collateral and another based on the financial condition or creditworthiness of borrowers. It also provides VA loans that help active military personnel, veterans, and reservists purchase properties without putting a down payment. FHA loans are also offered for low-income to moderate-income borrowers.

License Verified:

License: 325441

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 (131)
Google
4.9 / 5 (94)
Yelp
5.0 / 5 (34)

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
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Premium Mortgage logo
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License Verified:

License: 1641712

Nationwide Multistate Licensing System and Registry

Premium Mortgage

895 Palomar St. Suite H, Chula Vista, CA 91911
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  • Multi-Family Loans

Business Description

Premium Mortgage offers residents of Chula Vista and the surrounding areas a variety of loan options. The company delivers FHA, USDA, conventional, and HARP products. These contracts are on fixed or variable rates, and the team works on every step of the process, from initial consultations to the application and closing. Premium Mortgage also refinances existing debts and arranges less burdensome terms for clients. Its clientele includes military service personnel covered by the Department of Veterans Affairs.

License Verified:

License: 1641712

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 (2)
Facebook
5.0 / 5 (1)
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
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Secure Funding Group logo
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License Verified:

License: 329246

Nationwide Multistate Licensing System and Registry

Secure Funding Group

310 Third Avenue, Chula Vista, CA 91910
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  • Reverse Mortgages
  • NMLS #: 39166

Business Description

Secure Funding Group is a mortgage financing firm that has been serving clients in Chula Vista for more than two decades. The company helps clients who wish to reduce payment terms, lower interest rates, and obtain cash from their home equity through mortgage refinancing. Its mortgage specialists provide refinancing options that can cover fixed-rate mortgages, adjustable-rate loans, conforming loans, jumbo and super jumbo, as well as FHA, VA, and USDA loans. The company's staff carries more than 45 years of combined experience in mortgage financing.

License Verified:

License: 329246

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.
4.3

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
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Superior Financial Services logo
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License Verified:

License: 242502

Nationwide Multistate Licensing System and Registry

Superior Financial Services

9089 Clairemont Mesa Boulevard, San Diego, CA 92123
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  • NMLS #: 39166

Business Description

Superior Financial Services is a San Diego-based business that assists the mortgage needs of Chula Vista residents. Whether clients are purchasing or refinancing loans, its team of advisors helps in finding suitable mortgage programs. They address concerns that involve different products, including FHA, VA, fixed-rate, and adjustable-rate loans. The mortgage specialists are also knowledgeable of home equity line of credit loans. In addition to home buyers and owners, Superior Financial Services also serves residential real estate investors.

License Verified:

License: 242502

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
Facebook
5.0 / 5 (8)
Western Capital Mortgage logo
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License Verified:

License: 310821

Nationwide Multistate Licensing System and Registry

Western Capital Mortgage

860 Kuhn Drive, Chula Vista, CA 91914
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  • Reverse Mortgages
  • NMLS #: 39166

Business Description

Founded in 2015, Western Capital Mortgage is a residential and commercial refinancing business that guides mortgage borrowers in Chula Vista. Along with conventional loans, it helps clients obtain FHA, VA, reverse mortgages, and hard money loans. Working as the company's founder and senior loan advisor, Daniel Contreras II has been extending consultation services for more than 15 years. His background as a university scientist also enabled him to develop methodical strategies for his mortgage career.

License Verified:

License: 310821

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
5.0 / 5 (8)

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
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Back to Providers

Frequently Asked Questions

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.

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.

How does mortgage refinance work?

The mortgage refinance process begins with choosing a broker and filling out loan application information. The process continues through underwriting and closing. The new mortgage is then used to pay off and close your original mortgage loan. This leaves you with a new loan and mortgage payment to manage each month.

When should you refinance a mortgage?

If your credit score has improved or mortgage interest rates have dropped, refinancing can potentially save you money. Other reasons to refinance your mortgage include getting a fixed rate instead of an adjustable one or getting a shorter loan term. An increase in your home’s value that can let you access more equity is another reason to refinance.

How much does it cost to refinance a mortgage?

The average cost to refinance a mortgage is $5,000. This amount varies, based on the state and county where the property is located and the loan amount. Common fees incurred when refinancing a mortgage include:

  • Appraisal fee
  • Broker’s fee
  • Credit check fee
  • Loan application fee
  • Recording fee
  • Title search and insurance fee

How soon can you refinance a mortgage?

Some lenders make borrowers wait a minimum of six months before accepting a new mortgage refinancing application. However, when that happens, borrowers can check with other lenders to find one that doesn’t require a wait before refinancing. A mortgage refinance broker can guide you to lenders that allow immediate refinancing.

How long does it take to refinance a mortgage?

The average amount of time it takes to refinance a mortgage is 45 days. In some cases, it may be possible to get it done faster. There also may be times when it takes longer to get a mortgage refinanced.

What is the average closing cost to refinance a mortgage?

The average closing cost when refinancing a mortgage is $4,345. Closing costs may be much higher or lower depending on the amount of money borrowed. If you see an ad that says there are no closing costs, the costs are factored in elsewhere in the terms of the loan.

How often can you refinance a mortgage?

You can refinance a mortgage as often as you like, however, if you refinance frequently, it can cost more in fees than you save on interest. Some reasons for refinancing repeatedly include a sharp drop in interest rates or going through a life event, such as a divorce.

When is it worth it to refinance a mortgage?

It’s worth it to refinance when interest rates drop and refinancing will save you money. It also may be worth refinancing if you need to access some of your home’s equity to cover other expenses. Refinancing may be worthwhile if you're switching from a variable to a fixed rate mortgage.

Can you refinance a mortgage with no closing costs?

You can refinance a mortgage without paying closing costs at the time. However, those costs are still owed and are factored in elsewhere in the financing. Lenders either add the costs to the principal owed or increase the interest rate on your refinanced mortgage loan.

Can you refinance a home equity loan into a mortgage?

You can refinance a home equity loan into a mortgage in some situations. You have to have excellent credit to do this. Additionally, you must have enough equity in your home to qualify for a new mortgage that pays off the existing mortgage and your home equity loan.

Can you refinance a mortgage without a job?

In some situations, you can refinance your mortgage if you don't have a job. It depends on the lender, because some will allow it and others won’t. A qualified mortgage refinance broker can help connect you with lenders that consider your situation. You have to submit documentation about your unemployment and the income you have.

Can you refinance a mortgage with bad credit?

It’s possible to refinance a mortgage if you have bad credit. If your payment record with your current lender is good, you can discuss refinancing with that lender. You may also be able to refinance a mortgage by going through a government-backed lender, such as the USDA or FHA.

Can you refinance a second mortgage?

It’s possible to refinance a second mortgage. If your credit score improves or interest rates drop, refinancing a second mortgage may save you money. Either of these situations can provide a way for you to get a lower interest rate. Refinancing a second mortgage can also sometimes shorten your loan repayment period.

Can you refinance a first mortgage and not a second?

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.

How often should you refinance your mortgage?

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.

What should you expect when refinancing a mortgage?

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.

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