Expertise.com

Best Mortgage Refinance Companies in El Cajon

Laurels
2023
Laurels

We did the research for you!

Learn more
  • checkboxLicensing
  • checkboxUser Reviews
  • checkboxMystery Shopping Calls

Mortgage Refinance Companies FAQs

Learn more
FREE

Expertise.com Concierge

Let us do the work for you!

Share your needs with our Concierge team, and they'll book you with our best available top-ranked service providers!

Adrian Brikho logo
Visit WebsiteWebsite

License Verified:

License: 1028251

Nationwide Multistate Licensing System and Registry

Adrian Brikho

Visit WebsiteWebsite
3655 Avocado Blvd, La Mesa, CA 91941
  • New Construction
  • Reverse Mortgages

Business Description

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.

License Verified:

License: 1028251

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 (22)
Facebook
5.0 / 5 (13)

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
Best Equity logo
Visit WebsiteWebsite

License Verified:

License: 394507

Nationwide Multistate Licensing System and Registry

Best Equity

Visit WebsiteWebsite
5360 Jackson Dr., #200, La Mesa, CA 91942
  • Multi-Family Loans

Business Description

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.

License Verified:

License: 394507

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 (46)

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
California Mortgage Lending logo
Visit WebsiteWebsite

License Verified:

License: 1845124

Nationwide Multistate Licensing System and Registry

California Mortgage Lending

Visit WebsiteWebsite
5360 Jackson Dr #200, La Mesa, CA 91942
  • Reverse Mortgages

Business Description

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.

License Verified:

License: 1845124

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 (113)
Facebook
5.0 / 5 (11)

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
Casa Financial Services, Inc logo
Visit WebsiteWebsite

License Verified:

License: 120281

Nationwide Multistate Licensing System and Registry

Casa Financial Services, Inc

Visit WebsiteWebsite
9560 Cuyamaca St #101,, Santee, CA 92071
  • New Construction

Business Description

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.

License Verified:

License: 120281

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 (94)
Yelp
5.0 / 5 (33)
Facebook
5.0 / 5 (12)

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
Different Mortgage logo
Visit WebsiteWebsite

License Verified:

License: 324599

Nationwide Multistate Licensing System and Registry

Different Mortgage

Visit WebsiteWebsite
7490 Opportunity Rd. Suite 205, San Diego, CA 92111
  • New Construction
  • Reverse Mortgages

Business Description

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.

License Verified:

License: 324599

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

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
E Mortgage Home Loans logo
Visit WebsiteWebsite

License Verified:

License: 1579006

Nationwide Multistate Licensing System and Registry

E Mortgage Home Loans

Visit WebsiteWebsite
1111 Sixth Avenue, San Diego, CA 92101
  • Reverse Mortgages

Business Description

E Mortgage Home Loans caters to residents of El Cajon who wish to purchase houses and need mortgage or refinancing options. Its products include fixed-year mortgages with 15- to 30-year terms and government-backed loans from the USDA and FHA. Contracts targeted at military service personnel are available, and existing obligations are rearranged to reduce the hassles of compliance. Loan officer Jason Stroder is an accredited Realtor and has completed studies in business. He lives in San Diego and is acquainted with the local communities.

License Verified:

License: 1579006

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.
4.8
Facebook
4.8 / 5 (23)

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
GI Home Loans logo
Visit WebsiteWebsite

License Verified:

License: 1138376

Nationwide Multistate Licensing System and Registry

GI Home Loans

Visit WebsiteWebsite
910 Hale Place, Ste 110, Chula Vista, CA 91914
  • New Construction
  • Reverse Mortgages

Business Description

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.

License Verified:

License: 1138376

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 (9)

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
Hop Mortgage logo

License Verified:

License: 1905320

Nationwide Multistate Licensing System and Registry

Hop Mortgage

3530 Camino Del Rio N Ste 206, San Diego, CA 92108
  • New Construction

Business Description

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.

License Verified:

License: 1905320

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
Google
4.9 / 5 (58)
Facebook
5.0 / 5 (5)
MAR Financial logo
Visit WebsiteWebsite

License Verified:

License: 389363

Nationwide Multistate Licensing System and Registry

MAR Financial

Visit WebsiteWebsite
10620 Treena Street, Suite #230, San Diego, CA 92131
  • New Construction

Business Description

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.

License Verified:

License: 389363

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 (196)
Facebook
4.7 / 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
Old Arbor Mortgage logo
Visit WebsiteWebsite

License Verified:

License: 393694

Nationwide Multistate Licensing System and Registry

Old Arbor Mortgage

Visit WebsiteWebsite
2127 Arnold Way #1166,, Alpine, CA 91901
  • Reverse Mortgages

Business Description

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.

License Verified:

License: 393694

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 (59)

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
Patriot Home Loans logo
Visit WebsiteWebsite

License Verified:

License: 898812

Nationwide Multistate Licensing System and Registry

Patriot Home Loans

Visit WebsiteWebsite
823 Anchorage Pl, Chula Vista, CA 91914
  • Commercial Loans
  • New Construction

Business Description

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.

License Verified:

License: 898812

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 (165)
Google
4.9 / 5 (99)
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
Scott Davenport logo
Visit WebsiteWebsite

License Verified:

License: 352721

Nationwide Multistate Licensing System and Registry

Scott Davenport

Visit WebsiteWebsite
10509 Vista Sorrento Pkwy Suite 400, San Diego, CA 92121
  • New Construction

Business Description

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.

License Verified:

License: 352721

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
Zillow
5.0 / 5 (36)

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
Synergy One Lending logo

License Verified:

License: 963791

Nationwide Multistate Licensing System and Registry

Synergy One Lending

2235 Encinitas Blvd. Suite 212, Encinitas, CA 92024
  • Commercial Loans
  • New Construction

Business Description

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.

License Verified:

License: 963791

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
Google
4.9 / 5 (1428)

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

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.