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Best Mortgage Refinance Companies in Costa Mesa

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Clear Mortgage Capital, Inc. logo

Clear Mortgage Capital, Inc.

950 S Coast Drive, Suite 220, Costa Mesa, CA 92626
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  • New Construction
  • Reverse Mortgages

Clear Mortgage Capital, Inc. caters to those who require loaning and refinancing options in Costa Mesa. Its loan officers employ an analytical approach by scrutinizing their clients' credit histories and identifying their long-term needs like funding for house buying and home improvements. They work alongside various known lenders in the market, such as UWM, Spring EQ, and LoanDepot. The agency's application processes make use of an end-to-end encrypted database and digital platforms that streamline the submission of requirements and provide ease of access for applicants.

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JL Mortgage Group logo

JL Mortgage Group

Costa Mesa, CA 92626
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  • New Construction

JL Mortgage Group is a full-service firm serving Costa Mesa. It is owned by Jorge Lopez, who founded the company in 2018. Prior to opening his own business, he worked as a loan originator for 15 years, helping clients with various mortgage-related concerns, including mortgage refinancing. He designs solutions based on clients' needs and helps them make informed decisions about the options available. He also assists clients with fixed-rate, adjustable, FHA, VA, and USDA loans.

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Lending Corner logo

Lending Corner

940 South Coast Dr #155, Costa Mesa, CA 92626
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  • Reverse Mortgages

Lending Corner is a team of mortgage professionals who caters to individuals in Costa Mesa looking to refinance an existing loan or finance their new home purchase. Its home refinancing choices cover single-family and multifamily residences, townhouses, condos, and manufactured homes. The company offers conventional, jumbo, USDA, FHA, and VA loans with five-to-30-year terms. It embraces numerous aspects of technology to create a paperless and seamless transaction that guides customers through the process and connects them directly to loan officers.

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Mahi Khoshbin logo

Mahi Khoshbin

3120 Pullman Dr., Suite J - 207, Costa Mesa, CA 92626
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  • New Construction
  • Reverse Mortgages

Mahi Khoshbin is a loan officer with E Mortgage Capital, serving clients in Costa Mesa and nearby areas. She offers personalized residential and commercial mortgage refinance solutions to help reduce interest rates and monthly payments and change mortgage terms. She also provides services to take cash out from equity. Customers can choose from conforming, jumbo, super jumbo, FHA, USDA, and VA loans with fixed and adjustable interest rates. Khoshbin has over 20 years of experience working with over 100 lenders.

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Rich Davis logo

Rich Davis

100 Pacifica Drive, Suite 140, Irvine, CA 92618
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  • New Construction

Rich Davis, production manager at PrimeLending, helps Costa Mesa individuals and families with refinancing their mortgages. The goal of refinancing is to make interest rates lower and shorten the loan terms for clients. This professional also provides cash-out refinancing options that convert part of a home’s equity into funds that can be used for remodeling homes, financing education, and covering medical expenses. Rich Davis has been in the financing industry for more than 20 years.

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Sovereign Lending Group Incorporated logo

Sovereign Lending Group Incorporated

3540 Howard Way, Costa Mesa, CA 92626
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  • New Construction

Sovereign Lending Group Incorporated comprises 250 employees working collectively to originate, process, and fund loans for the homeownership goals of clients. The team caters to individuals and families in Costa Mesa and nearby areas needing assistance with mortgage refinancing and home buying. Since its founding in 2005, SLG has been helping people who have served others, including veterans, police officers, and firefighters. Some of the lending programs the broker secures are FHA, VA, and adjustable-rate mortgages.

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Team Torrijos logo

Team Torrijos

3198-F Airport Loop Drive Ste. 201, Costa Mesa, CA 92626
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  • New Construction
  • Reverse Mortgages

Team Torrijos offers personalized mortgage solutions to accommodate clients' specific home financing needs. It works with browsers in and around Costa Mesa who wish to fund their active loans to cash out equity, consolidate debts, shorten loan terms, or lower monthly payments. The firm's specialists work closely with clients and find the refinance product that fits their goals. There are also loan options available to first-time homebuyers, such as jumbo, FHA, VA, USDA, HARP, and reverse mortgages.

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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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