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Best Mortgage Refinance Companies in Garden Grove

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0pointLoan.com logo

0pointLoan.com

2700 N. Main Street Suite 761, Santa Ana, CA 92705
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  • New Construction

0pointLoan.com caters to the residents in Garden Grove, providing home financing solutions tailored to their needs. Primary associate Jay Patel is a certified mortgage consultant and broker who has worked with thousands of homeowners to refinance their mortgage loans. He offers options for 30-year and 15-year mortgage plans. Patel and his team closed a total of over $1 billion in loans. 0pointLoan.com maintains a partnership with the National Association of Mortgage Brokers, Fannie Mae, and Freddie Mac.

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24/7 Mortgage Corporation logo

24/7 Mortgage Corporation

Garden Grove, CA
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  • New Construction
  • Reverse Mortgages

24/7 Mortgage Corporation guides homeowners and buyers in Garden Grove through the refinancing process to reduce their interest rates. It offers various mortgage options, including fixed-rate, adjustable-rate, and interest-only, as well as VA and FHA loans. Its loan officers combine modern technologies, including an online calculator, and their knowledge of the industry to simplify the mortgage process and achieve the goal of homeownership. 24/7 Mortgage Corporation operates in several states, including Texas, Nevada, and Utah.

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Choice Home Mortgage logo

Choice Home Mortgage

9550 Warner Ave Ste 300, Fountain Valley, CA 92708
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Choice Home Mortgage is a family-operated brokerage firm serving borrowers from Garden Grove and the surrounding areas. Its offices are based in multiple locations across California. It offers a variety of flexible mortgage products, including cash-out refinancing. Clients have the option to choose fixed rates between 15 and 30 years. Choice Home Mortgage also offers assistance for new purchases, conventional mortgages; non-QM mortgages; FHA loans; and VA mortgages, as well as hard money lending on investment properties.

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Coastal Pacific Lending logo

Coastal Pacific Lending

1100 Town & Country, Suite 1250, Orange, CA 92868
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  • New Construction
  • Reverse Mortgages

Coastal Pacific Lending serves families in the Garden Grove community. It helps clients refinance various primary and investment property types, including condominiums, townhouses, single-family and multi-family homes, and manufactured homes. It offers cash-out refinance solutions that result in better interest rates and equity from the real estate. It also assists with home purchases with a personalized approach. Coastal Pacific Lending has been in the industry for over 20 years, catering to clients in Arizona, California, Colorado, and Texas.

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Dang Mortgage Team logo

Dang Mortgage Team

12881 Knott Street #102, Garden Grove, CA 92841
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  • Commercial Loans
  • New Construction
  • Reverse Mortgages

Dang Mortgage Team serves Garden Grove clients who are looking to buy, sell, or refinance their dream homes. It helps them compare, choose, and apply for loan products, as well as overcome obstacles along the way. The agency offers various loan types that can be used for purchasing homes and consolidating debts, such as fixed-rate, adjustable-rate, and reverse mortgages, in addition to FHA, VA, and USDA loans. Previous clients praised the Dang Mortgage Team for being knowledgeable and keeping them updated throughout the homebuying process.

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First Place Home Loans logo

First Place Home Loans

1740 West Katella Ave. Suite B, Orange, CA 92867
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  • Reverse Mortgages

First Place Home Loans, Inc., is a mortgage company that serves the Garden Grove metro. It offers mortgage refinancing schemes to clients that result in lower payments and fixed rates and cash-out gains to be used for college, home improvements, or consolidating debt. Its home equity conversion mortgage caters to individuals over 62 years old. The firm comprises a team of loan officers with more than two decades of collective experience in the mortgage lending industry.

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HomeSmart Advisors logo

HomeSmart Advisors

12792 Valley View St H, Garden Grove, CA 92845
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  • New Construction
  • Reverse Mortgages

HomeSmart Advisors provides comprehensive advice on loan applications and refinancing options for clients in Garden Grove. Using information gained from close consultations, its team offers tailored options based on changes in the real estate market and a prospective applicant's financial situation. It assesses and compares programs from known lenders in terms of interest rates and opportunities for home equities. The agency's CEO, Alejandro Ramirez, is a homebuyer educator who assists clients in creating custom mortgage plans that involve the purchase of residences.

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One True Loan logo

One True Loan

888 S Disneyland Dr, Ste 109, Anaheim, CA 92802
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  • Reverse Mortgages

One True Loan is a residential mortgage agency serving the people of Garden Grove and nearby areas. It helps clients with active loan access and manages their home equity and cash out for their own personal purposes. Its mortgage professionals offer advice and support at every stage of the loan process, from quotation and application through closing and loan financing. Other lending programs available are conforming, super conforming, jumbo, FHA, and VA. The One True Loan team has been working in the mortgage sector for over 25 years.

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Optimum First Mortgage logo

Optimum First Mortgage

8900 Warner Avenue, Fountain Valley, CA 92708
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  • Reverse Mortgages

Optimum First Mortgage has funded over $10 billion in loans for over a decade of service. It caters to clients in Garden Grove interested in mortgage refinancing. The loan option allows borrowers to lower their monthly mortgage payments or shorten their loan terms. It is also an ideal choice for people looking to have some cash at hand for home renovation or to consolidate high-interest debts. Optimum First Mortgage is led by Matthew Dohman, a mortgage industry old hand, and Robert Drenk, a veteran of the RV business.

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Orange County Mortgage logo

Orange County Mortgage

17272 Newhope Street, Suite J, Fountain Valley, CA 92708
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  • New Construction
  • Reverse Mortgages

Orange County Mortgage has been providing services to homeowners and real estate investors in Garden Grove since 1999. It specializes in helping clients change their loan terms, lower their interest rates, eliminate mortgage insurance, and remove a co-borrower by offering refinancing services. Its team conducts a home refinancing process, which involves comparing loan offers and assessments to identify suitable programs for clients. The agency is also available to serve individuals wishing to purchase homes through loan options like FHA, VA, jumbo, and reverse mortgage.

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Valley View Home Loans logo

Valley View Home Loans

7390 Lincoln Way, Garden Grove, CA 92841
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  • New Construction

Valley View Home Loans serves homeowners in Garden Grove. It helps clients secure home refinancing loans fit for their goals, from lowering monthly payments and reducing interest rates to shortening repayment periods. The mortgage lender also caters to the needs of homebuyers with various products, including conventional, FHA, Jumbo, VA, and HECM loans. It has been helping clients purchase and keep their homes since 1992. Its mortgage originators work to make the loan process easier by minimizing paperwork and avoiding surprises through timely loan funding.

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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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