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Best Mortgage Refinance Companies in Irvine

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ALT Financial logo

ALT Financial

18022 Cowan, Irvine, CA 92614
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  • Reverse Mortgages
  • NMLS #: 39166

ALT Financial is a full-service mortgage refinance company that serves Irvine residents and the surrounding areas. The company's mortgage experts guide clients in choosing the type of loan that best suits their needs. They offer a variety of loans, such as fixed mortgage, ARM, commercial, VHA, FA, and jumbo loans. They also deal with reverse mortgages, which are for homeowners 62 years and older, as well as hard money loans, an asset-based loan financing option.

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Broadview Home Loans - Mission Viejo logo

Broadview Home Loans - Mission Viejo

23120 Alicia Parkway, Mission Viejo, CA 92692
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  • NMLS #: 39166

Broadview Home Loans Mission Viejo Branch is a family mortgage refinancing company servicing clients in the Irvine area. The company provides homeowners with refinancing programs that consolidate high-interest debt, reduce payments, and get equity. Their loan officers also provide assistance with home purchases and reverse mortgages. The company's website has mortgage payments and savings calculators for its clients. Broadview Home Loans Mission Viejo Branch has been headed by mortgage professional Chebel Mina since 2007. He has over 30 years of experience in the field.

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First Centennial Mortgage - Irvine, CA logo

First Centennial Mortgage - Irvine, CA

2100 Main Street, Irvine, CA 92614
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  • NMLS #: 39166

First Centennial Mortgage is a residential mortgage lender that provides mortgage refinancing services to clients in Irvine. It offers a selection of loan products to homebuyers and homeowners, including conventional loans, jumbo loans, VA home loans, USDA loans, FHA loans, and fixed-rate mortgage loans. The family-owned company was founded by Steven and David McCormick. It was chosen as one of the top 100 mortgage companies by Mortgage Executive Magazine and one of the companies that posted significant growth in the U.S. by Inc. Magazine.

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Homequest Mortgage Corporation logo

Homequest Mortgage Corporation

25301 Cabot Road, Laguna Hills, CA 92653
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  • Reverse Mortgages
  • NMLS #: 39166

Homequest Mortgage Corporation is a mortgage refinancing company serving Irvine and the surrounding communities for more than 24 years. It is headed by Thomas Drasler, a licensed mortgage professional who transitioned into the mortgage banking industry in 2006. Previously, he had a career as a top management executive in several Fortune 500 companies like Oracle, Cisco, and EMC. His services include down payment assistance programs through FHA loans, VA loans, and a broad range of conventional mortgage programs.

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Kevin Rudrud logo

Kevin Rudrud

2755 Bristol Street, Costa Mesa, CA 92626
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  • Reverse Mortgages
  • NMLS #: 39166

Kevin Rudrud is the branch manager for LendUS, assisting clients with a full range of home loan needs. Since starting his career in 2002, he has been offering home mortgage refinance services in the Irvine area. He runs his business through three simple principles: communicate proactively, close accurately, and close on time. Some of LendUS's services that Kevin Rudrud helps clients with are conventional loans, FHA loans, VA loans, and jumbo financing. Rudrud also donates a portion of every closed transaction to the Orangewood Children’s Foundation.

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Ladera Lending logo

Ladera Lending

555 Corporate Drive, Ladera Ranch, CA 92694
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  • Reverse Mortgages
  • NMLS #: 39166

Ladera Lending is a full-service mortgage banking company that has been serving the Irvine area since 1996. The firm's loan officers work with individuals who are interested in refinancing their current mortgage to achieve financial goals. They assist clients in the entire process, from origination to funding. Ladera Lending provides refinance options that allow homeowners to convert an ARM to a fixed-rate mortgage, lower interest rates, and eliminate mortgage insurance. It also offers opportunities for clients to change loan terms to pay for other obligations.

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LifeSource Mortgage logo

LifeSource Mortgage

1238 Puerta Del Sol, San Clemente, CA 92673
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  • Reverse Mortgages
  • NMLS #: 39166

LifeSource Mortgage has been providing home loan options to Irvine homeowners for more than 14 years. The company's refinance options allow homeowners the opportunity to eliminate mortgage insurance or change the loan's terms. It also provides its clients with lower-interest mortgage alternatives as well as conversions from ARMs to fixed-rate loans. Other refinance solutions include paying off high-interest debt with some of the home's equity. Additionally, the company works with homebuyers to finance their purchases through a wide variety of programs.

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LoanSnap, Inc. logo

LoanSnap, Inc.

3070 Bristol St Ste 200, Costa Mesa, CA 92626
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Founded in 1998, LoanSnap Inc. serves the Irvine area with a wide variety of home loan products. Its lending professionals work with homeowners to achieve their financial goals through a range of mortgage refinance options. The company's clients seek to lower interest rates and monthly payments, eliminate mortgage insurance, convert ARM loans to fixed-rate mortgages, change the loan's terms, and cash out some of their home's equity to finance other obligations. LoanSnap also works with home buyers to afford their purchase with options that include conventional, VA, FHA, jumbo, USDA, and first-time home buyer mortgage programs.

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Westpark Loans logo

Westpark Loans

6789 Quail Hill, Irvine, CA 92603
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  • NMLS #: 39166

Westpark Loans has been providing home loan products to Irvine residents since 2007. The company assists clients through the processes of documentation and explains fees and credit history requirements. It offers refinancing options for individuals interested in shortening their loan terms to build greater equity, as well as those seeking to convert an ARM to a fixed-rate mortgage or lower their interest rates. Westpark Loans also works with homeowners who need to cash out on some of their home's equity to cover other expenses.

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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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