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Best Mortgage Refinance Companies in Escondido

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Blue Horizon Realty and Lending, Inc. logo

Blue Horizon Realty and Lending, Inc.

500 La Terraza Blvd Suite 150, Escondido, CA 92025
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Blue Horizon Realty and Lending, Inc., caters to individuals and families in Escondido and its surrounding areas. It provides a wide variety of financial products for people looking to buy a new home or refinance their existing mortgages. These include conventional, jumbo, VA, and USDA loans. Fannie Mae's HomeReady program is also available for borrowers at low to moderate income brackets. One client who needed help with refinancing his home commended the company's team members, Yessica Moore and Gabriela Marks, for treating him like family.

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Countywide Mortgage Lending logo

Countywide Mortgage Lending

100 South Escondido Blvd., Escondido, CA 92025
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  • Reverse Mortgages

Countywide Mortgage Lending offers refinancing solutions for the needs of homeowners in the Escondido area. It assists mortgage owners in navigating refinancing programs to reduce rates and terms or cash out. Its team of professionals assesses clients' needs and helps them choose from various options. In addition, the group provides advice on financial charges, property taxes, and market rates. The company has been serving the community since 2003 and is affiliated with Golden Empire Mortgage.

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Golden Coast Funding logo

Golden Coast Funding

16909 Via De Santa Fe, Suite 202, Rancho Santa Fe, CA 92067
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Golden Coast Funding helps clients in Escondido seek personalized mortgage solutions. It has 15-30 year fixed, adjustable, and reverse mortgages. Golden Coast Funding also offers FHA, VA, Jumbo, USDA, and HARP loans. It provides refinancing analysis to help clients identify the different mortgage options available to them. President and managing partner Ken Moran has over 25 years of industry experience. A past client commended the company's team for providing a thorough assessment of their home purchase.

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Nancy Sapper logo

Nancy Sapper

1039 D St Ste. #1, Ramona, CA 92065
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  • New Construction
  • Reverse Mortgages

Nancy Sapper is a mortgage loan officer for C2 Financial Corporation who works with individuals and families in Escondido and nearby communities. She helps clients reduce interest rates by providing them with refinancing options for properties like condominiums, single-family and multifamily units, and townhouses. These include FHA streamline, FHA cash-out, FHA 203k, USDA streamline, and VA cash-out. She also assists customers in applying for different home loan programs such as USDA, FHA, conventional, and jumbo.

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Robison Home Loans logo

Robison Home Loans

508 W Mission Ave #200, Escondido, CA 92025
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  • Reverse Mortgages

Robison Home Loans handles the refinancing needs of individuals and families in and around the Escondido area. Its agents offer comprehensive assistance to clients interested in obtaining a lower interest rate, combining two mortgages, modifying loan terms, or withdrawing equity to make a purchase or pay off other debts. In addition, the firm offers a wide selection of mortgage programs, including conventional, Home Path, VA, FHA, USDA, and 203(K) Home Loan Renovation. Reverse mortgage loan is also available.

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Stone Bridge Mortgage logo

Stone Bridge Mortgage

970 Los Vallecitos Blvd Suite 222, San Marcos, CA 92069
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  • Reverse Mortgages

Stone Bridge Mortgage helps the residents of Escondido purchase, keep, and improve a residential property through its personalized loan plans. It crafts custom strategies for refinancing to help clients obtain lower interest rates and monthly payments, as well as shorten terms. Some of the mortgage options it offers are USDA, VA, jumbo, and rehab loans. The brokerage was founded in 2011 and is composed of loan professionals with over four decades of combined industry experience.

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Team Sleder logo

Team Sleder

16644 W Bernardo Drive, Suite 100, San Diego, CA 92127
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  • Reverse Mortgages

Team Sleder caters to the mortgage needs of homeowners and property buyers in Escondido. Its home loan refinancing process allows clients to save money and build equity by managing their mortgages to meet their financial situation. The company's other loan products include jumbo, VA, FHA, USDA, conforming, and reverse loan programs. Senior broker Shanne Sleder is a second-generation mortgage banker who, together with his team, has been helping ease the process of mortgage planning and loan strategizing for Southern California residents for over a decade.

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The Greco Mortgage Team logo

The Greco Mortgage Team

5249 Candlelight St., Oceanside, CA 92056
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  • New Construction

The Greco Mortgage Team takes care of the refinancing needs of customers throughout Escondido and the surrounding areas. After completing a comprehensive home refinance analysis, clients are presented options based on their particular needs and situations, allowing them to assess and choose mortgage interest rates and terms that meet their individual needs. Jumbo, conventional, FHA, and VA loans are available for home buyers. The firm is led by Michael Greco, a loan consultant who has been in the mortgage industry since 2002.

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West Coast Financial logo

West Coast Financial

1 Bella Vita Way, San Marcos, CA 92078
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  • Reverse Mortgages

West Coast Financial is a mortgage broker serving individuals and families in Escondido and the surrounding locations. Its team focuses on reverse mortgages, allowing clients to pay off their current loans and stop making mortgage payments each month. Clients must be at least 62 years old and the properties their principal residences. The lender calculates how much equity can be taken out of the home using a reverse mortgage calculator. West Coast Financial also offers refinancing to a reverse mortgage. Conventional, FHA, and VA loan programs are additionally available.

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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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