Expertise.com

2024

Last updated:

Best Mortgage Refinance Companies in El Cajon

Our Recommended Top 12

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored El Cajon Mortgage Refinance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

66Reviewed

44Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

910 Hale Place, Ste 110, Chula Vista, CA 91914
WebsiteLicense: 1138376

Expertise.com Rating

Review Sources

Google
5.0 (9)

Why choose this provider?

GI Home Loans serves men and women in El Cajon who are members of the Armed Forces. Its team helps service members and veterans achieve their dream homes or investment properties. The company provides a selection of mortgage services and assists clients in improving their credit scores. It also processes FHA, VA, home equity, hard money, interest-only, and no-closing-cost loans. Customers must file the needed documents, including work visas or green cards, w-2 forms, and pay stubs.

  • New Construction
  • Reverse Mortgages

5360 Jackson Dr., #200, La Mesa, CA 91942
WebsiteLicense: 394507

Expertise.com Rating

Review Sources

Facebook
5.0 (46)

Why choose this provider?

Best Equity serves clients in the El Cajon metro. It offers mortgage refinancing services and assists clients in obtaining low-interest rates, reducing mortgage payments, and building more home equity. It also offers home purchase loans to help property seekers purchase their dream homes. In addition, it performs property evaluations to give more options for clients on what they can do with their properties. The company's senior loan consultant, Eric Atilano, had speaking engagements at the San Diego International ComiCon, various radio shows, and colleges.

  • Multi-Family Loans

3655 Avocado Blvd, La Mesa, CA 91941
WebsiteLicense: 1028251

Expertise.com Rating

Review Sources

Google
5.0 (22)
Facebook
5.0 (13)

Why choose this provider?

Adrian Brikho is a mortgage advisor who caters to El Cajon-based clients under BRIK Home Loans. He provides refinancing applicants with comprehensive information on interest rate changes and current property values in the local market to help them in adjusting their financial prospects. He also canvasses different loaning programs and refinancing choices that are offered by different lenders, to match each client's long-term goals more efficiently. He draws his knowledge involving various mortgage plans and market trends from more than a decade of experience within the industry.

  • New Construction
  • Reverse Mortgages

7490 Opportunity Rd. Suite 205, San Diego, CA 92111
WebsiteLicense: 324599

Expertise.com Rating

Review Sources

Yelp
5.0 (72)
Facebook
5.0 (8)
Google
5.0 (1)

Why choose this provider?

Different Mortgage is a residential broker that serves El Cajon. Its team of loan officers assists homeowners who are considering a refinance on their outstanding mortgages. It provides a range of options, from conventional, FHA, and VA to non-conforming and investment loans. It also offers financial solutions for debt consolidation. The founder and owner of Different Mortgage, Matt Sauer, has more than fifteen years of industry experience. The company gives back 10 percent of its profits to help rescue child trafficking victims.

  • New Construction
  • Reverse Mortgages

2235 Encinitas Blvd. Suite 212, Encinitas, CA 92024
WebsiteLicense: 963791

Expertise.com Rating

Review Sources

Google
4.9 (1707)
Facebook
4.8 (186)
Yelp
3.5 (49)

Why choose this provider?

Synergy One Lending is a technology-driven mortgage company serving clients in El Cajon and the surrounding metros. It streamlines and hastens the lending process through a mobile app called S1 Connect, which allows people to apply anywhere and anytime, scan and upload documents, and monitor loan progress. The firm offers mortgage refinancing options to help borrowers benefit from lower monthly premiums, shorter loan terms, and extra cash at hand. Branch manager Drew Brockmire has been in the industry for over 30 years.

  • Commercial Loans
  • New Construction

9560 Cuyamaca St #101,, Santee, CA 92071
WebsiteLicense: 120281

Expertise.com Rating

Review Sources

Google
5.0 (94)
Yelp
5.0 (33)
Facebook
5.0 (12)

Why choose this provider?

Casa Financial Services, Inc., is a military family-owned business that serves clients in the El Cajon metro. It helps them by offering mortgage refinancing services. It introduces various products so borrowers can choose which program meets their specific requirements. It also uses specialized tools that provide aid in making financial choices. Additionally, the brokerage offers other loan options, such as ARM, fixed rate, VA, FHA, and home equity line of credit. Its team has a combined experience of more than 40 years.

  • New Construction

10509 Vista Sorrento Pkwy Suite 400, San Diego, CA 92121
WebsiteLicense: 352721

Expertise.com Rating

Why choose this provider?

Scott Davenport is a loan officer who works with clients in El Cajon and the surrounding communities. He presents mortgage refinancing plans to individuals that can assist them in addressing debt issues by lowering interest rates, obtaining a new loan to replace the existing one, and cashing out home equity. This loan officer has been in the real estate industry for over 15 years and is committed to providing refinancing solutions to property investors.

  • New Construction

823 Anchorage Pl, Chula Vista, CA 91914
WebsiteLicense: 898812

Expertise.com Rating

Review Sources

Facebook
4.8 (163)
Google
4.9 (114)
Yelp
4.9 (35)

Why choose this provider?

Patriot Home Loans helps clients in El Cajon achieve their homeownership dreams through mortgage refinancing. It assists first-time and repeat home buyers in reducing their interest rates and changing the length of their mortgage loans. The mortgage broker also offers VA, FHA, and conventional loan products to meet the home financing needs of the members of the community. Its branch manager, Raul de la Vega, has been in the mortgage industry since 2006. He is one of the mortgage broker's top producers.

  • Commercial Loans
  • New Construction

2127 Arnold Way #1166,, Alpine, CA 91901
WebsiteLicense: 393694

Expertise.com Rating

Review Sources

Google
5.0 (59)

Why choose this provider?

Old Arbor Mortgage addresses the real estate concerns of residents in and around El Cajon. It caters to individuals, families, and investors who want to purchase various types of residential properties. The company develops refinancing solutions based on current market trends and customers' financial capacity. It offers different mortgage programs, such as VA, USDA, FHA, and ARM loans. It also processes reverse, jumbo, and conventional mortgage options. The agency's expert has been a real estate and mortgage broker for over 25 years.

  • Reverse Mortgages

10620 Treena Street, Suite #230, San Diego, CA 92131
WebsiteLicense: 389363

Expertise.com Rating

Review Sources

Yelp
5.0 (196)
Facebook
4.7 (8)

Why choose this provider?

Since its establishment in 2007, MAR Financial has been tailoring suitable loans for clients purchasing their first abodes, consolidating debts, or refinancing homes in El Cajon. This boutique mortgage lending company assists individuals in getting pre-approved, deciding on properties, computing monthly payments, finding a real estate agent, and choosing loan programs. It carries loan products such as jumbo, conventional, FHA, HECM for senior citizens, Foreign National home loans for non-US residents, and VA for active-duty members, veterans, and their families.

  • New Construction

3530 Camino Del Rio N Ste 206, San Diego, CA 92108
WebsiteLicense: 1905320

Expertise.com Rating

Review Sources

Google
4.9 (62)
Facebook
5.0 (10)

Why choose this provider?

Hop Mortgage caters to investors, families, and individuals in and around El Cajon. It helps clients obtain their dream properties by filing refinance analysis requests. The company guides buyers in comparing mortgage interest rates and terms and in developing strategies for reducing their monthly payments. Its team offers various mortgage programs, including jumbo and super jumbo, fixed-rate and adjustable-rate, and FHA and VA loans. Founder and president David Lane has over three decades of real estate industry experience.

  • New Construction

5360 Jackson Dr #200, La Mesa, CA 91942
WebsiteLicense: 1845124

Expertise.com Rating

Review Sources

Google
5.0 (113)
Facebook
5.0 (12)

Why choose this provider?

California Mortgage Lending helps individuals refinance or purchase a home in El Cajon. Its mortgage refinancing services help clients lower their monthly payments and loan terms. The firm's president, Cameron Harper, is a mortgage advisor who assists clients in finding the loan option that fits their needs and obtaining approval for their application, whether it is a veteran or renovation loan. Harper also works with people over age 62, providing reverse mortgage options to cover their health and long-term care insurance.

  • Reverse Mortgages

FAQs

  • 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.
  • Can first-time homebuyers in El Cajon obtain loans to purchase properties?

    First-time homebuyers in El Cajon can avail of FHA, USDA, and VA loans, which offer low to zero down payments. They could also qualify for conventional loans with a credit score of 620. However, they will need to provide up to 20% down payment, depending on their situation. Mortgage brokers can help borrowers determine loan options that fit their needs.

  • What are the benefits of obtaining a fixed-rate loan in El Cajon?

    People in El Cajon who obtain a fixed-rate loan can get consistent rates, flexible down payment options, and predictable monthly principal and interest payments. This type of mortgage may be a good option for borrowers with low debt-to-income ratios and good credit who plan to stay in their homes for several years.

  • Can borrowers refinance an adjustable-rate mortgage in El Cajon?

    Yes. El Cajon borrowers can refinance an existing adjustable-rate mortgage loan upon credit approval. Through this type of loan, they can change their terms, get access to cash for major purchases, lower monthly payments, and reduce their interest rates. The ARM loan has a fixed initial interest rate for a set period and becomes a variable for the remaining duration. It may be a good option for homeowners seeking to sell their properties within a few years.

  • What are the things homeowners in El Cajon have to consider when obtaining different types of loans?

    El Cajon homeowners must consider their current budget and long-term financial objectives. They must have a certain amount of cash and a minimum credit score to qualify. They also have to meet income requirements, or if there are none, they must pay monthly mortgage insurance for the duration of their loans and a premium at closing.

  • What documents do borrowers in El Cajon need to provide to apply for mortgage?

    Borrowers in El Cajon need to provide documents that verify their assets, income, and employment. They must present bank statements and pay stubs for the last two months. In addition, they have to submit two years' worth of federal tax returns and W-2 forms, as well as their Social Security number. Other documents include a signed contract of sale if clients have chosen their new homes and information on current debts, including car and student loans and credit cards.

  • 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.