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Best Mortgage Refinance Companies in Escondido

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2023
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Blue Horizon Realty and Lending, Inc. logo
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License Verified:

License: 1120084

Nationwide Multistate Licensing System and Registry

Blue Horizon Realty and Lending, Inc.

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500 La Terraza Blvd Suite 150, Escondido, CA 92025

Business Description

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.

License Verified:

License: 1120084

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.
4.7
Facebook
4.9 / 5 (17)
Google
4.5 / 5 (10)
Yelp
5.0 / 5 (2)

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
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Detail
Countywide Mortgage Lending logo
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License: 1104585

Nationwide Multistate Licensing System and Registry

Countywide Mortgage Lending

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

Business Description

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.

License Verified:

License: 1104585

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 (46)
Yelp
4.5 / 5 (5)

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
Federal Capital Funding Group logo
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License Verified:

License: 1853714

Nationwide Multistate Licensing System and Registry

Federal Capital Funding Group

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425 W. 5th Ave, Ste 205, Escondido, CA 92025

Business Description

Federal Capital Funding Group provides solutions to the diverse needs of individuals in and around Escondido. It offers services to clients that are planning to decrease the interest rate of their current mortgage through refinancing. It also provides mortgage refinancing solutions to those who seek to reduce their loan term or switch their rate from an adjustable to a fixed-rate mortgage. In addition, the company offers jumbo, super jumbo, conventional, VA, FHA, and home equity loans.

License Verified:

License: 1853714

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 (82)

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
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Detail
Loans By Todd K logo
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License: 1825956

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Loans By Todd K

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Escondido, CA
  • New Construction

Business Description

Loans by Todd K is a service provider delivering refinancing solutions to homeowners in the Escondido metro. Todd Klinger and his team at Groves Capital help borrowers refinance existing loans to get lower monthly payments or cash out equity. They search and compare different lenders, handle paperwork, keep clients informed of their application, and guide them from consultation to closing. Klinger has been serving the community's mortgage needs since 2015 and also caters to real estate investors.

License Verified:

License: 1825956

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 (5)

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
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Matthew Moreno logo
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License Verified:

License: 1413213

Nationwide Multistate Licensing System and Registry

Matthew Moreno

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5810 El Camino Real, D, Carlsbad, CA 92008
  • New Construction
  • Reverse Mortgages

Business Description

Matthew Moreno is a mortgage broker from Great Rate Home Loans who caters to the refinancing goals of the Escondido community. He and his team assist mortgage borrowers in going through refinancing programs to secure lower interest rates or cash out equity. They provide clients with up-to-date rate information from lenders and guide them in preparing paperwork and calculating costs. They personalize services by offering digital loan application options and lowering the turnaround time of closings.

License Verified:

License: 1413213

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 (26)
Mitch Palmer logo

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License: 300298

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Mitch Palmer

16486 Bernardo Center Drive #228, San Diego, CA 92128
  • Reverse Mortgages

Business Description

Mitch Palmer is a loan originator under Benchmark Mortgage who serves individuals and families in Escondido and the surrounding areas. He and his team of underwriters and processors help clients refinance existing mortgages. He also assists with the home buying process, which includes pre-qualification, home inspection and appraisal, and closing. In addition, he provides VA lending services for veterans. Mitch Palmer has been working in the mortgage industry for more than two decades. He is also a licensed real estate professional.

License Verified:

License: 300298

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 (13)
Google
5.0 / 5 (5)
Yelp
5.0 / 5 (5)

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
Nancy Sapper logo
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License Verified:

License: 1567980

Nationwide Multistate Licensing System and Registry

Nancy Sapper

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

Business Description

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.

License Verified:

License: 1567980

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 (43)
Facebook
5.0 / 5 (24)
Robison Home Loans logo
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License Verified:

License: 393335

Nationwide Multistate Licensing System and Registry

Robison Home Loans

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

Business Description

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.

License Verified:

License: 393335

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 (65)
Facebook
5.0 / 5 (36)
Yelp
5.0 / 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
Solidify Mortgage Advisors logo
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License Verified:

License: 1283930

Nationwide Multistate Licensing System and Registry

Solidify Mortgage Advisors

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2888 Loker Ave E, Suite 201, Carlsbad, CA 92010
  • New Construction
  • Reverse Mortgages

Business Description

Solidify Mortgage Advisors caters to locals in Escondido. It helps clients get better terms with their loans through various refinancing solutions. In addition, the company offers loans for home purchases, cashing out, and equity. It also has FHA and VA loans. The company aims to ease up the loan application process by hosting an online portal where clients can submit their documents. Solidify Mortgage Advisors also serves clients in Arizona, New Mexico, Colorado, and Washington.

License Verified:

License: 1283930

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

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Stone Bridge Mortgage logo
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License Verified:

License: 1938081

Nationwide Multistate Licensing System and Registry

Stone Bridge Mortgage

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

Business Description

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.

License Verified:

License: 1938081

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.
4.3
Google
4.3 / 5 (42)

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
Team Sleder logo
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License Verified:

License: 239958

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Team Sleder

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

Business Description

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.

License Verified:

License: 239958

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 (46)
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
West Coast Financial logo
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License Verified:

License: 219306

Nationwide Multistate Licensing System and Registry

West Coast Financial

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

Business Description

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.

License Verified:

License: 219306

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

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.