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Best Mortgage Refinance Companies in Chula Vista

2023

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

Why choose this provider?

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
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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.
4.7
Yelp
4.5 / 5 (12)
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
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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.
4.0
Yelp
4.0 / 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

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

Why choose this provider?

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
Responsiveness
Friendliness
Helpfulness
Detail

Website
891 Kuhn Dr Ste 204, Chula VIsta, CA 91914

Why choose this provider?

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
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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)

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

Why choose this provider?

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
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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
Responsiveness
Friendliness
Helpfulness
Detail
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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.

  • What is a mortgage refinancing in Chula Vista?

    Mortgage refinancing in Chula Vista means getting a new home loan to replace the old one. People do this to save money each month, either by combining debts or getting a better interest rate. It can also help achieve goals like paying off the loan faster, avoiding mortgage insurance, or making changes after a divorce. Local experts called loan officers can help decide which choice is best.

  • What are the common reasons to get refinance in Chula Vista?

    In Chula Vista, homeowners refinance their mortgages to pay less monthly for their house, while others refinance to get extra money to fix their homes. People also like refinancing because it can help combine all their debts into one easier-to-handle payment. Additionally, refinancing can take an ex-partner off the mortgage after a divorce. These are the common reasons people in Chula Vista refinance their mortgages to improve their money situation or address specific needs.

  • What is the process of refinancing your mortgage in Chula Vista?

    Refinancing a mortgage in Chula Vista involves pre-qualification based on provided financial details. Next, individuals check and rectify credit reports, consult with a loan officer for tailored options, initiate the application process and document submission, consider a home appraisal for property value assessment, confirm written commitments, set a closing date, and review final documents. Finally, they receive and scrutinize the Closing Disclosure and finalize the refinance through a notarized closing, all aimed at potential monthly savings, financial objectives, or improved loan terms.

  • What is the advantage of refinancing your mortgage in Chula Vista?

    In Chula Vista, mortgage refinancing provides valuable prospects, including the advantage of lower interest rates leading to decreased monthly payments and potential long-term savings. It's important to factor in overall finance charges. Tailoring the loan term, whether making it shorter for interest reduction or extending it for more manageable payments, addresses distinct financial goals. Merging debts into a home loan simplifies finances and offers financial gains, particularly for higher-interest debts. Lastly, transitioning from adjustable to fixed-rate mortgages ensures stable and predictable payments.

  • How do you refinance your mortgage in Chula Vista?

    To refinance your mortgage in Chula Vista, you secure a new loan with improved terms to settle the existing one. This can lead to reduced monthly payments, fast access to funds, or home enhancements. If the new interest rate is lower, it can bring savings monthly and over the loan's duration. Assess your aims, whether renovating or clearing debts, and stay informed about current interest rates.

  • 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.

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