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Best Mortgage Refinance Companies in Chula Vista

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

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

891 Kuhn Drive, Chula Vista, CA 91914
Chula Vista, CA 91914

Website(619) 323-2066

Show Number

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.

Online Profiles:

2 (Better)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

33 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

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

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.

1625 Sweetwater Road, National City, CA 91950
National City, CA 91950

Website(619) 327-1400

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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.

Online Profiles:

1 (Good)

Average Review Score:

4.5 / 5 ( Best)

Total Reviews:

22 (Better)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

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

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.

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

Website(619) 323-2066

Show Number

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.

Online Profiles:

3 (Best)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

10 (Better)

Score Consistency:

Consistent (Best)

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

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.

910 Hale Place, Chula Vista, CA 91914
Chula Vista, CA 91914

Website(866) 292-5666

Show Number

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.

Online Profiles:

2 (Better)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

168 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

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

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.

2220 Otay Lakes Road, Chula Vista, CA 91915
Chula Vista, CA 91915

Website(858) 774-3637

Show Number

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.

Online Profiles:

1 (Good)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

30 (Best)

Score Consistency:

Consistent (Best)

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

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.

873 Anchorage Place, Chula Vista, CA 91914
Chula Vista, CA 91914

InstagramWebsite(619) 658-5724

Show Number

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.

Online Profiles:

2 (Better)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

126 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

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

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.

823 Anchorage Place, Chula Vista, CA 91914
Chula Vista, CA 91914

InstagramWebsite(619) 550-3600

Show Number

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.

Online Profiles:

2 (Better)

Average Review Score:

4.9 / 5 ( Best)

Total Reviews:

105 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

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

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.

895 Palomar St. Suite H, Chula Vista, CA 91911
Chula Vista, CA 91911

Website(619) 816-8076

Show Number

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.

Online Profiles:

1 (Good)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

1 (Good)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

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

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.

310 Third Avenue, Chula Vista, CA 91910
Chula Vista, CA 91910

InstagramWebsite(619) 946-7333

Show Number

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.

Online Profiles:

4 (Best)

Average Review Score:

4.1 / 5 ( Best)

Total Reviews:

26 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

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

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.

9089 Clairemont Mesa Boulevard, San Diego, CA 92123
San Diego, CA 92123

Website(619) 302-2664

Show Number

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.

Online Profiles:

1 (Good)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

8 (Good)

Score Consistency:

Consistent (Best)

910 Hale Pl Ste 201, Chula Vista, CA 91914
Chula Vista, CA 91914

Founded in 1932, Team Limon offers full-scale mortgage solutions in the greater Chula Vista area for single-family and multifamily homes, condominiums, townhouses, and manufactured homes. It provides first-time homeowners with fixed- and adjustable-rate mortgage options and USDA, jumbo, FHA, and VA loans. The company has several mortgage refinancing programs, including FHA streamline and cash-out, VA streamline and cash-out, conventional, and jumbo loan plans. Team Limon also assists new homeowners in selecting a customized loan that meet their goals.

910 Hale Pl Ste 201, Chula Vista, CA 91914
Chula Vista, CA 91914

Website(619) 869-0548

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

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.

860 Kuhn Drive, Chula Vista, CA 91914
Chula Vista, CA 91914

InstagramWebsite(800) 817-4157

Show Number

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.

Online Profiles:

3 (Best)

Average Review Score:

4.9 / 5 ( Best)

Total Reviews:

258 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

344 F St, Chula Vista, CA 91910
Chula Vista, CA 91910
Instagram
  • NMLS #: 39166

Wheelhouse Credit Union is one of the mortgage refinance lenders in Chula Vista and surrounding communities. Its professional lenders help homeowners save money through lower interest rates, shorter terms, and different loan programs when they refinance their mortgages. The company offers a number of loan programs with both fixed and adjustable rates, including VA, FHA, and USDA loans. Wheelhouse Credit Union also offers standard banking service plus energy-efficient and solar loans.

344 F St, Chula Vista, CA 91910
Chula Vista, CA 91910

InstagramWebsite(619) 297-4835

Show Number

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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