Best Mortgage Refinance Companies in El Cajon

Laurels
Laurels

We did the research for you!

Learn more
  • checkboxLicensing
  • checkboxUser Reviews
  • checkboxMystery Shopping Calls

Mortgage Refinance Companies FAQs

Learn more
Adrian Brikho logo

Adrian Brikho

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

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.

Visit Website
California Mortgage Lending logo

California Mortgage Lending

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

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.

Visit Website
Different Mortgage logo

Different Mortgage

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

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.

Visit Website
GI Home Loans logo

GI Home Loans

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

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.

Visit Website
Hop Mortgage logo

Hop Mortgage

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

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.

Visit Website
MAR Financial logo

MAR Financial

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

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.

Visit Website
Mortgage By Matranga logo

Mortgage By Matranga

690 Otay Lakes Road, Chula Vista, CA 91910
Visit Website
  • New Construction

Mortgage By Matranga is a Chula Vista-based agency that caters to clients in El Cajon. It is headed by David Matranga, who educates applicants on their available options, which range from refinancing and house buying to credit repair. He and his colleagues employ a consultative approach by providing comprehensive details on marketing trends and interest rates and comparing these criteria with an applicant's specific financial status. Their programs, which also include USDA and FHA loans, are chosen from known lenders and institutions in the industry.

Visit Website
Old Arbor Mortgage logo

Old Arbor Mortgage

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

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.

Visit Website
Patriot Home Loans logo

Patriot Home Loans

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

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.

Visit Website
Scott Davenport logo

Scott Davenport

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

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.

Visit Website
Synergy One Lending logo

Synergy One Lending

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

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.

Visit Website
Back to Providers

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.

Read All FAQS

Wrong city? Here are some nearby places:

Search for Mortgage Refinance Companies near you