Best Mortgage Refinance Companies in Lake Forest

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Alliance West Mortgage logo
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License: 244283

Nationwide Multistate Licensing System and Registry

Alliance West Mortgage

2 South Pointe, Suite 110, Lake Forest, CA 92630
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  • New Construction
  • Reverse Mortgages

Business Description

Alliance West Mortgage helps homeowners and home buyers in Lake Forest change the terms of their loans and lower their interest rates through refinancing. Its home loan consultants offer various mortgage options, including conventional, jumbo, and FHA. In addition, they educate borrowers on the home buying process to help them make informed mortgage decisions. Alliance West Mortgage has been in business since 2009. It provides a mortgage calculator to help clients project their potential expenses.

License Verified:

License: 244283

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 (110)
Yelp
5.0 / 5 (45)
Ameri logo
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License: 1387084

Nationwide Multistate Licensing System and Registry

Ameri

26632 Towne Centre Dr. #300 - Suite 3, Foothill Ranch, CA 92610
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  • New Construction

Business Description

Ameri provides solutions for the mortgage needs of Lake Forest residents. It offers refinancing for people seeking to cash out, consolidate debts, or lower their interest rates and payments. Through their selection of lenders, its mortgage advisors help homebuyers get pre-qualified for different programs, such as adjustable- and fixed-rate, FHA, and VA loans. They evaluate the borrowers’ scenarios and take time to understand their financial goals. Ameri, which is an Equal Housing lender, fosters inclusivity by working with clients regardless of factors, such as age, color, and sex.

License Verified:

License: 1387084

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

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
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Brenda The Lenda logo
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License: 239946

Nationwide Multistate Licensing System and Registry

Brenda The Lenda

1 Spectrum Pointe Dr Suite 200,, Lake Forest, CA 92630
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  • New Construction

Business Description

Brenda The Lenda assists residents of Lake Forest with their mortgage needs. As a branch manager of We Lending, Brenda Dintino guides clients in several mortgage-related processes, including mortgage refinancing, which caters to homeowners who want to reduce their interest rates or cash out their home equity. She also provides lending assistance for first- and second-time home buyers, self-employed individuals, investors, and seniors looking into obtaining reverse mortgages. Brenda The Lenda has more than four decades of experience in the mortgage industry.

License Verified:

License: 239946

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.
4.9
Facebook
5.0 / 5 (61)
Google
4.7 / 5 (14)

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.
4.0
Responsiveness
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Charter Pacific Lending Corp. logo
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License: 284615

Nationwide Multistate Licensing System and Registry

Charter Pacific Lending Corp.

9891 Irvine Center Dr, Irvine, CA 92618
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  • New Construction
  • Reverse Mortgages

Business Description

Charter Pacific Lending Corp. is a mortgage company that has been providing services throughout Lake Forest and the surrounding cities since 2002. It handles the refinancing needs of clients to lower their interest rates and reduce their terms or lengths. Refinancing solutions are also available to help clients cash out their equity for home improvements, debt payments, or investment funds. The company also offers mortgage loan programs to help individuals and families buy homes that meet their needs. 

License Verified:

License: 284615

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 (90)

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.
4.0
Responsiveness
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Detail
––
Coast 2 Coast Funding Group logo
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License: 92145

Nationwide Multistate Licensing System and Registry

Coast 2 Coast Funding Group

1 Orchard Road, Suite 235, Lake Forest, CA 92630
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  • New Construction

Business Description

Coast 2 Coast Funding Group is a full-service lending company that caters to real estate professionals, builders, and homebuyers in and around Lake Forest. Its team addresses the real estate concerns of clients by providing them with a variety of mortgage services. The agency helps individuals and families achieve their preferred investment spaces through its refinancing solutions. It assists borrowers in finding the right loans, rates, and terms. The enterprise works with Generations Escrow and Montgomery & Associates.

License Verified:

License: 92145

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.
4.5
Yelp
4.5 / 5 (70)
Google
3.5 / 5 (2)

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.
4.0
Responsiveness
Friendliness
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Detail
––
First Rate Lending & Real Estate Solutions logo
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License Verified:

License: 365033

Nationwide Multistate Licensing System and Registry

First Rate Lending & Real Estate Solutions

23101 Lake Center Drive #355, Lake Forest, CA 92630
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  • Multi-Family Loans
  • New Construction

Business Description

First Rate Lending & Real Estate Solutions helps Lake Forest residents refinance their homes and investment properties. The mortgage lender works to provide mortgage loans that help borrowers achieve their financial goals, such as debt consolidation and retirement preparation. Its loan officers offer various mortgage programs, such as reverse, fixed-rate, and first-time buyer loans, as well as FHA and HARP. In addition, they provide financial advice based on market conditions and the performance of mortgage-backed securities to help clients get favorable interest rates.

License Verified:

License: 365033

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 (94)
Facebook
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
InterestSmart Home Loans logo
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License Verified:

License: 1157416

Nationwide Multistate Licensing System and Registry

InterestSmart Home Loans

23172 Plaza Pointe Dr.Suite 155, Laguna Hills, CA 92653
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  • New Construction
  • Reverse Mortgages

Business Description

InterestSmart Home Loans caters to residents of Lake Forest. It offers different mortgage refinance solutions, such as rate-and-term and cash-out refinance loans. Its loan officers educate people about the refinancing process so they will be able to make the best-informed decisions possible. The firm also provides a range of home purchase loan programs, including VA, FHA, USDA, conventional, and investment property loans. It works with more than 20 lenders to provide clients with a variety of options.

License Verified:

License: 1157416

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.
4.7
Google
4.8 / 5 (74)
Facebook
4.8 / 5 (43)
Yelp
4.0 / 5 (17)
Kindly Loans logo
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License: 1896751

Nationwide Multistate Licensing System and Registry

Kindly Loans

22936 Mill Creek Drive, Suite A, Laguna Hills, CA 92653
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  • Reverse Mortgages

Business Description

Kindly Loans helps with the mortgage refinancing needs of Lake Forest residents. It starts the home refinancing process by analyzing clients' current situations and giving them options based on their individual circumstances. It offers a range of loan options, including 15- and 30-year fixed-rate mortgages, ARMs, and jumbo, VA, and FHA loans. It has a variety of mortgage tools and calculators on its website to help customers make informed decisions on refinancing and getting a home loan.

License Verified:

License: 1896751

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.
4.9
Google
4.9 / 5 (68)
Facebook
5.0 / 5 (14)
LoansDirect logo
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License Verified:

License: 353699

Nationwide Multistate Licensing System and Registry

LoansDirect

25182 Miles Ave, Lake Forest, CA 92630
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  • New Construction

Business Description

LoansDirect caters to families and individuals seeking mortgage assistance in the Lake Forest area. It serves the real estate needs of buyers and investors by helping them refinance their loans. The company guides borrowers in developing refinancing strategies to consolidate their debts and improve their cash flow. Its loan officers also process a wide selection of mortgage products, including conventional, jumbo, FHA, VA, and hard money loans. LoansDirect has been in the industry for over 15 years.

License Verified:

License: 353699

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 (56)
Park Place Real Estate Company logo
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License Verified:

License: 337745

Nationwide Multistate Licensing System and Registry

Park Place Real Estate Company

23172 Plaza Pointe Dr. Suite 195, Laguna Hills, CA 92653
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  • Multi-Family Loans

Business Description

The Park Place Real Estate Company caters to clients in Lake Forest who seek to buy new homes and refinance their mortgages. Its VA and FHA refinancing loans are tailored to reduce interest rates, improve monthly settlements, and match the financial capabilities and desired terms of applicants. Its staff educates clients on the scope and terms of their chosen plan in line with local listings and property values. It also offers home loan rebate options and specialty programs for both novice and experienced homebuyers.

License Verified:

License: 337745

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 (148)
Facebook
5.0 / 5 (43)
Yelp
4.5 / 5 (9)

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
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Detail
SoCal Purchase Loans logo
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License Verified:

License: 647826

Nationwide Multistate Licensing System and Registry

SoCal Purchase Loans

26632 Towne Centre Dr Suite 301, Foothill Ranch, CA 92610
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  • New Construction

Business Description

SoCal Purchase Loans is a locally owned and operated mortgage company that serves individuals and families in Lake Forest and the surrounding areas. It provides rate-and-term refinance programs, which help homeowners lower their interest rates or change their loan terms. It also assists clients with accessing their home equity through cash-out refinance programs. SoCal Purchase Loans has been in business for more than two decades. The company works with real estate agents, financial advisers, accountants, and estate planning attorneys.

License Verified:

License: 647826

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 (135)
Yelp
5.0 / 5 (111)
Facebook
5.0 / 5 (12)
Synergy Lending logo
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License Verified:

License: 1875715

Nationwide Multistate Licensing System and Registry

Synergy Lending

26180 Enterprise Way #200B, Lake Forest, CA 92630
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  • Reverse Mortgages

Business Description

Synergy Lending helps clients in the Lake Forest area afford the home of their dreams. It offers multiple mortgage options, including terms for those who are looking to refinance their loans. Its loan programs include fixed- and adjustable-rate, reverse, and graduated mortgages. It also helps clients with VA and FHA loans. The team guides clients in every step of the loan application process, from finding out how much they can borrow to reviewing and signing final documents.

License Verified:

License: 1875715

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 (38)
Facebook
5.0 / 5 (26)
Yelp
5.0 / 5 (25)

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
Tom Hodges logo
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License Verified:

License: 242086

Nationwide Multistate Licensing System and Registry

Tom Hodges

23330 Mill Creek Dr Ste 150, Laguna Hills, CA 92653
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  • New Construction
  • Reverse Mortgages

Business Description

Tom Hodges is a consultant at Qualified Home Loans who offers refinancing solutions to the Lake Forest community. He guides mortgage borrowers in refinancing HERO loans or enrolling in cash-out programs for non-owner-occupied and owner-occupied homes. Hodges helps clients analyze the benefits of refinancing, assess their short-term or long-term mortgage goals, and go through the appraisal, document submission, and closing procedures. Hodges also serves Florida and Texas and is federally able to provide stated-income loan programs for investors in most states.

License Verified:

License: 242086

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 (1)
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Frequently Asked Questions

What should you expect when refinancing a mortgage?

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.

How often should you refinance your mortgage?

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.

Can you refinance a first mortgage and not a second?

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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