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Best Mortgage Refinance Companies in Fullerton

2023

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Website
1224 E. Katella Ave., #207, Orange, CA 92867
  • Reverse Mortgages

Why choose this provider?

Argonaut Real Estate & Mortgage is a broker that provides real estate and home loan services to clients in Fullerton and surrounding areas. It assists with mortgage refinancing, utilizing multiple lenders to help current homeowners find the loan program that fits their needs. It also offers purchase loans for commercial, residential, and rental properties. Clients looking to sell are assisted as well. Argonaut Real Estate & Mortgage is managed by Platinum Financial Services. Broker associate David Pixler has 17 years of experience in the industry.

License Verified:

License: 1298150

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 (14)
Google
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

Website
1211 Puerta Del Sol, Suite 150, San Clemente, CA 92673
  • New Construction

Why choose this provider?

Avid Mortgage Solutions serves the neighborhoods of Fullerton and the surrounding areas. It offers refinancing services that match clients' goals or help them pay off existing mortgages. Clients are provided options based on their unique scenarios to help them make informed decisions. Some of these include fixed and adjustable rates, jumbo and super jumbo loans, and VA and USDA loans. Founders Alan Stuhr and Robert Hart established the company to create mortgage solutions both for simple and complex borrowers.

License Verified:

License: 1656848

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 (60)
Facebook
5.0 / 5 (30)

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

Website
7700 Irvine Center Drive, Suite 760, Irvine, CA 92618
  • Reverse Mortgages

Why choose this provider?

Total Quality Lending has been delivering home financing solutions to clients in Fullerton and nearby cities since 2019. It offers a mortgage refinance program to borrowers who want to fund their existing loans for house renovation purposes or those seeking to lower payments and interest rates. There are also lending programs available for first-time homebuyers, such as FHA, conventional, and jumbo loans. Dedicated to putting clients first, the firm focuses on exploring workable ideas and ways to fulfill each borrower's particular demands.

License Verified:

License: 1933377

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
Google
4.8 / 5 (148)
Facebook
5.0 / 5 (20)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
138 W Malvern Ave Unit F, Fullerton, CA 92832
  • New Construction

Why choose this provider?

American Rate Network serves clients, including first-time home buyers and real estate veterans, in Fullerton. It helps individuals refinance their mortgages in order to shorten their loan terms, cash out equity, or consolidate debt. It offers a variety of mortgage products, including USDA, FHA, VA, conventional, and jumbo loans. Matthew Campbell, one of the loan officers of American Rate Network, strives to help people achieve their homeownership goals by working with them every step of the way, from application to closing.

License Verified:

License: 938746

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 (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

Website
16470 Bake Parkway Suite 200, Irvine, CA 92618
  • Commercial
  • Purchases
  • VA Loans
  • Reverse Mortgages

Why choose this provider?

True Path Loans assists clients in Fullerton with buying a home or completing the refinancing procedure. The company comprises mortgage advisors with the knowledge and experience clients need to determine the various financing choices available. They offer a conventional 30-year fixed-rate mortgage recommended for those who intend to live in the property for at least seven years. Additional options include FHA, VA, jumbo, and SBA loans. Owner and broker Adrian Placinta has over 15 years of experience as a mortgage expert.

License Verified:

License: 1876959

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 (92)
Facebook
5.0 / 5 (62)
Yelp
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

Website
9741 Bolsa Ave, Suite 215, Westminster, CA 92683
  • Reverse Mortgages
  • New Construction

Why choose this provider?

24/7 Mortgage offers refinancing options to Fullerton customers. It commits to providing a streamlined and positive mortgage experience for partners and clients by applying its industry expertise and using technology in its processes. Its refinancing service helps clients lower their mortgage interest rates, consolidate debts, eliminate monthly PMIs, accelerate their equity, and pay off their loans faster. It offers a cash-out refinancing program that allows its clients to increase their cash flow. 24/7 Mortgage is founded by Peter Phu Nguyen, who previously worked as a manager for Amazon and Target.

License Verified:

License: 1860778

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 (64)
Facebook
5.0 / 5 (21)
Yelp
5.0 / 5 (20)

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

Website
27651 La Paz Road, 200, Laguna Niguel, CA 92677
  • New Construction

Why choose this provider?

Purpose Funding is an institution that offers mortgage refinancing to residents in Fullerton. It has fixed-rate and adjustable-rate mortgages for homeowners who want to pay off their existing loans through a new one. It also offers 15- and 30-year fixed-rate mortgages, VA loans, and reverse mortgages. Purpose Funding helps clients by providing tools like pre-approval letters, refinance analysis, and a payment calculator. In addition, it has an online login portal to allow clients to access their accounts from their homes.

License Verified:

License: 273299

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.
4.4
Facebook
4.4 / 5 (31)

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

Website
500 N. State College Blvd, #1100, Orange, CA 92868
  • Reverse Mortgages

Why choose this provider?

Nextafi assists prospective homeowners in Fullerton in navigating the complexities of owning a home by streamlining the loan process. It offers refinancing solutions that help clients who are looking to consolidate high-interest debt, lower interest rates and monthly payments, remove PMIs, and fund home improvement projects. It evaluates the financial capacity and situation of the homeowner before recommending an option from its diverse portfolio of loan products to suit each client's individual goals and needs.

License Verified:

License: 1690713

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 (37)

Website
555 Anton Blvd, Suite 150, Costa Mesa, CA 92626
  • New Construction

Why choose this provider?

Prime Mortgage provides real estate buying, selling, and financing services to new and seasoned buyers in Fullerton and the surrounding areas. It assists clients in refinancing their house loans to reduce the high-interest rate or to balance certain essential financial demands and cash-out refinance alternatives. Its loan officers help clients choose from common options like jumbo, USDA, VA, FHA, fixed-rate mortgages, and investment property loans. Prime Mortgage is a member of NMLS and the Mortgage Bankers Association.

License Verified:

License: 1981076

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 (577)
Yelp
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
13317 Ventura Blvd #H, Sherman Oaks, CA 91423
  • New Construction

Why choose this provider?

ID Mortgage Broker caters to clients with residential and commercial loan needs in Fullerton. It offers refinancing options that will help them lower monthly payments, remove private mortgage insurance, or reduce interest rates. Available options include FHA, ARM to fixed, and cash-out. Additionally, it offers other loan programs, such as no document, no closing, jumbo, construction, and fix and flip. ID Mortgage Broker also works with agents and investors. Founder Irina Dyakun has been in the mortgage industry for more than nine years.

License Verified:

License: 1694805

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 (75)
Facebook
5.0 / 5 (50)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1805 E. Garry Avenue, Santa Ana, CA 92705
  • Reverse Mortgages

Why choose this provider?

Arbor Financial Group has been providing refinancing solutions to borrowers in Fullerton for over two decades. Its advisors explain costs, policies, and credit score bearing, seeking to raise customer confidence through proper education. Its work involves guiding clients in processing papers and helping find programs that fit their goals and time frame. The company is affiliated with over 75 lenders and has established relationships with financial banks and institutions. Besides loan services, it offers home, life, and auto insurance products.

License Verified:

License: 236669

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
Google
4.9 / 5 (60)
Facebook
4.6 / 5 (35)
Yelp
5.0 / 5 (4)

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.
1.8
Responsiveness
Friendliness
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Helpfulness
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Detail
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Website
8900 Warner Avenue, Fountain Valley, CA 92708
  • New Construction

Why choose this provider?

Optimum First Mortgage caters to individuals in Fullerton. The firm offers mortgage refinancing services to reduce loan terms and leverage the equity of clients' homes. It provides VA, FHA, and conventional loans. Interest rate monitoring and home value updates are available to help clients make informed financial decisions. In addition, it has same-day underwriting and 24/7 customer support to answer related inquiries. Matthew Dohman and Robert Drenk founded Optimum First Mortgage in 2009. The company also serves customers in Idaho, Arizona, and California.

License Verified:

License: 240415

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 (449)
Google
4.9 / 5 (334)
Facebook
4.7 / 5 (15)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
950 S Coast Drive, Suite 220, Costa Mesa, CA 92626
  • Multi-Family Loans
  • New Construction

Why choose this provider?

Clear Mortgage Capital, Inc., caters to clients in Fullerton who are looking for home loan options. The team delivers conventional fixed-rate products with 30-year periods and government-backed contracts under the FHA and Veterans Affairs. Adjustable rates and jumbo loans are also available. AVP and branch manager Dustin Andersen has been in the real estate lending sector for more than 17 years. He is joined by branch manager Sergio Becerra who is a mortgage loan originator.

License Verified:

License: 1935005

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 (575)
Yelp
4.5 / 5 (29)
Facebook
5.0 / 5 (15)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––
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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 common is mortgage refinancing in Fullerton?

    Since 2022, Fullerton and the rest of the Los Angeles-Orange County area have seen 83% fewer mortgage refinances and 82% more equity loans. Home purchase loans in the metro are also down by 55%. California is seeing its biggest 12-month drop on record, with 63% fewer mortgages taken out in the same year.

  • Can MyHome Assistance borrowers in Fullerton refinance their homes?

    While those in Fullerton who bought their homes through the MyHome Assistance program of the California Housing Finance Agency are permitted to refinance, they must pay their loan back in full (plus interest) once they do so. The same is true for borrowers who relocate, sell, or otherwise alter the home's ownership.

  • What are the refinance options for those with low credit scores in Fullerton?

    Those in Fullerton with a credit score of below 700 and who have little home equity may refinance their mortgage to an FHA loan. However, the loan is only available for primary residences of one to four units. The average FICO score in California as of 2021 is 721, which is seven points higher than the national average.

  • Can a refinance in Fullerton eliminate FHA mortgage insurance?

    Refinancing one’s FHA loan may allow borrowers in Fullerton to eliminate their mortgage insurance premiums. This may save borrowers $200 to $400 monthly without lowering their interest rates. However, refinancing may not be a good decision for those moving in the next six months or those who will have difficulty recouping the closing costs.

  • What is the average closing cost amount in a refinance in Fullerton?

    In 2021, the average closing cost for a mortgage refinance in Fullerton and throughout California was $5,762 with taxes and $2,829 without. Six months' worth of property taxes are due at closing. Other costs are the application, loan origination, home appraisal, survey, title search and insurance, and attorney fees.

  • 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.

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