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2024

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Best Mortgage Refinance Companies in Escondido, CA

Our Recommended Top 12

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Escondido 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.

90Reviewed

58Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

500 La Terraza Blvd Suite 150, Escondido, CA 92025
WebsiteLicense: 1120084

Expertise.com Rating

Review Sources

Facebook
4.9 (17)
Google
4.5 (10)
Yelp
5.0 (2)

Why choose this provider?

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.

5810 El Camino Real, D, Carlsbad, CA 92008
WebsiteLicense: 1413213

Expertise.com Rating

Review Sources

Google
5.0 (26)

Why choose this provider?

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.

  • New Construction
  • Reverse Mortgages

425 W. 5th Ave, Ste 205, Escondido, CA 92025
WebsiteLicense: 1853714

Expertise.com Rating

Review Sources

Google
5.0 (82)

Why choose this provider?

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.

2888 Loker Ave E, Suite 201, Carlsbad, CA 92010
WebsiteLicense: 1283930

Expertise.com Rating

Why choose this provider?

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.

  • New Construction
  • Reverse Mortgages

Escondido, CA
WebsiteLicense: 1825956

Expertise.com Rating

Review Sources

Google
5.0 (5)

Why choose this provider?

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.

  • New Construction

100 South Escondido Blvd., Escondido, CA 92025
WebsiteLicense: 1104585

Expertise.com Rating

Review Sources

Google
5.0 (48)
Yelp
4.5 (5)

Why choose this provider?

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.

  • Reverse Mortgages

508 W Mission Ave #200, Escondido, CA 92025
WebsiteLicense: 393335

Expertise.com Rating

Review Sources

Google
4.9 (65)
Facebook
5.0 (36)
Yelp
5.0 (8)

Why choose this provider?

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.

  • Reverse Mortgages

16486 Bernardo Center Drive #228, San Diego, CA 92128
WebsiteLicense: 300298

Expertise.com Rating

Review Sources

Facebook
5.0 (13)
Google
5.0 (5)
Yelp
5.0 (5)

Why choose this provider?

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.

  • Reverse Mortgages

970 Los Vallecitos Blvd Suite 222, San Marcos, CA 92069
WebsiteLicense: 1938081

Expertise.com Rating

Review Sources

Google
4.2 (46)

Why choose this provider?

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.

  • Reverse Mortgages

1039 D St Ste. #1, Ramona, CA 92065
WebsiteLicense: 1567980

Expertise.com Rating

Review Sources

Google
5.0 (42)
Facebook
5.0 (24)

Why choose this provider?

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.

  • New Construction
  • Reverse Mortgages

16644 W Bernardo Drive, Suite 100, San Diego, CA 92127
WebsiteLicense: 239958

Expertise.com Rating

Review Sources

Google
5.0 (88)
Facebook
5.0 (11)
Yelp
5.0 (11)

Why choose this provider?

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.

  • Reverse Mortgages

1 Bella Vita Way, San Marcos, CA 92078
WebsiteLicense: 219306

Why choose this provider?

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.

  • Reverse Mortgages

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
Blue Horizon Realty and Lending, Inc.
500 La Terraza Blvd Suite 150, Escondido, CA 92025
Matthew Moreno
5810 El Camino Real, D, Carlsbad, CA 92008
Federal Capital Funding Group
425 W. 5th Ave, Ste 205, Escondido, CA 92025
Solidify Mortgage Advisors
2888 Loker Ave E, Suite 201, Carlsbad, CA 92010
Loans By Todd K
Countywide Mortgage Lending
100 South Escondido Blvd., Escondido, CA 92025
Robison Home Loans
508 W Mission Ave #200, Escondido, CA 92025
Mitch Palmer
16486 Bernardo Center Drive #228, San Diego, CA 92128
Stone Bridge Mortgage
970 Los Vallecitos Blvd Suite 222, San Marcos, CA 92069
Nancy Sapper
1039 D St Ste. #1, Ramona, CA 92065
Team Sleder
16644 W Bernardo Drive, Suite 100, San Diego, CA 92127
West Coast Financial
1 Bella Vita Way, San Marcos, CA 92078

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.
  • How do you tell if Escondido refinance is a good idea for you?

    The cost of executing the refinance is one of the most important things to think about when deciding whether refinancing in Escondido is advantageous for you. You must weigh the money you can save after refinancing against the expenditures of the closing. The length of time you plan to keep the mortgage is another thing to take into account.It's critical to project how long you'll retain the mortgage to get an accurate picture of how much you could gain by refinancing.

  • How frequently is it possible to refinance your Escondido mortgage?

    In Escondido, you can refinance your home loan whenever the rates of interest decrease in your favor. However, there are some limitations for government-backed loans including FHA, USDA, and VA loans. Additionally, if your last refinance involved a cash-out, there is normally a six-month waiting period before you can refinance again.

  • Is it possible to refinance your Escondido mortgage without paying any closing expenses out of pocket?

    Yes. Many lenders in Escondido offer no-closing-cost refinances, but this does not mean that these expenses instantly disappear. Rather, they are either covered through a greater rate of interest or transferred into the principal, which raises the total amount you must repay on your mortgage. Closing expenses for a refinance of a mortgage typically range from 2% to 5% of the mortgage.

  • When should you avoid refinancing your home loan in Escondido?

    If you plan to move within the next six months, refinancing your present mortgage in Escondido is not a good option. Unless there is a significant gap in the interest rates of your loan and the market, staying with your current mortgage will likely be your best option if you intend to move. Refinancing should also not be considered if near to finishing paying your mortgage, you are in the middle of home renovations, or if the fees involved are too high.

  • If you take out a reverse mortgage in Escondido, can you be driven to leave your house?

    No. You are going to continue to hold the title to your house even if you get a reverse mortgage in Escondido. In addition, you are not subject to eviction as long as you keep the house as your primary residence, take care of its regular maintenance needs, and pay your HOA dues, insurance premiums, and property taxes on time.

  • 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.