Best Mortgage Refinance Companies in Fullerton

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Argonaut Real Estate & Mortgage logo

Argonaut Real Estate & Mortgage

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

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.

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Avid Mortgage Solutions logo

Avid Mortgage Solutions

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

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.

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INC Real Estate logo

INC Real Estate

431 East Palm Drive, Placentia, CA 92870
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  • New Construction

INC Real Estate serves customers in Fullerton and the surrounding communities. The agency works with a variety of lenders in the industry to provide refinancers with mortgage solutions. Its staff includes real estate agents as well as loan officers who assist customers in understanding borrower qualification factors and providing advice on home transactions. INC Real Estate also deals with matters involving mobile homes, condos, and pieces of land on behalf of property sellers and investors.

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Optimum First Mortgage logo

Optimum First Mortgage

8900 Warner Avenue, Fountain Valley, CA 92708
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  • New Construction

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.

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Prime Mortgage logo

Prime Mortgage

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

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.

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Purpose Funding logo

Purpose Funding

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

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.

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Total Quality Lending logo

Total Quality Lending

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

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.

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True Path Loans logo

True Path Loans

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

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.

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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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