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Best Mortgage Refinance Companies in Lakewood

2024

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Providers

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Website
957 Artesia Place, Bellflower, CA 90706
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Tri Pillar Mortgage works with customers in the Lakewood area to find a financial solution for their housing needs. It offers multiple loan programs such as FHA, conventional, VA, and jumbo. Its team also helps borrowers choose payment terms available in eight to 10 years or pick an interest-only option. Tri Pillar Mortgage aims to maintain open and transparent communication with its clients throughout the process while educating them about the ins and outs of the home-buying journey. The company was established in 2009.

License Verified:

License: 1763174

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 (6)
Facebook
5.0 / 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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
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Website
17785 Center Court Drive N, Cerritos, CA 90703
  • Reverse Mortgages

Why choose this provider?

iCORE Lending Inc. is a full-service and independent firm that caters to individuals, families, and businesses throughout the Lakewood metro and the neighboring areas. It provides a variety of mortgage refinance programs. Its team crafts government loans, such as FHA and VA, as well as non-QM and conventional mortgage programs. The Cerritos-based mortgage and lending company also carries hundreds of loan options that can be tailored to fit the needs of first-time home buyers and investors.

License Verified:

License: 1547623

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.
4.3
Google
4.0 / 5 (4)
Yelp
5.0 / 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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
3780 Kilroy Drive Suite 200, Long Beach, CA 90806
  • New Construction

Why choose this provider?

LBL Mortgage serves clients in Lakewood and the surrounding towns. It offers loan programs for clients planning to buy a home and current homeowners looking to refinance their mortgages. Its loan officers guide clients in selecting the loan product that works best with their needs and finances. The company has access to more than 20 lenders in the market, providing clients with a wide range of loan types and rate options. This Long Beach-based independent brokerage has been in the industry for over a decade.

License Verified:

License: 1381254

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 (12)
Facebook
5.0 / 5 (9)
Google
5.0 / 5 (6)

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
11306 183rd St, Suite 203, Cerritos, CA 90703
  • Reverse Mortgages

Why choose this provider?

GoPrime Mortgage is a mortgage lender that caters to the refinancing needs of clients in Lakewood. It helps homeowners take out new loans to replace their existing home loans, allowing them to lower their monthly payments, pay off their mortgages faster, or pay for unexpected emergencies that entail large expenses. The company, which started out as a small start-up in Apex, North Carolina in 2005, now serves clients in over 30 states across the US.

License Verified:

License: 1665586

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
Facebook
4.9 / 5 (93)
Google
4.5 / 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
6 Centerpointe Drive, Suite 700, La Palma, CA 90623
  • New Construction

Why choose this provider?

Republic Lending is a family-owned mortgage brokerage that caters to individuals and families in and around Lakewood. The La Palma-based firm offers mortgage refinancing options for clients who are looking to cash out, get new interest rates and shorter terms, or for clients who want to convert from an adjustable rate to a fixed rate. It provides different loan programs, including FHA, conventional, conforming, and jumbo. Republic Lending also offers loan options for commercial owners and small businesses.

License Verified:

License: 1511640

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)

Website
18000 Studebaker Road Suite 700, Cerritos, CA 90703
  • New Construction

Why choose this provider?

Solve Lending & Realty is a family-owned business that serves the financial needs of residential and commercial borrowers in Lakewood. It provides conventional, FHA, VA, USDA, and jumbo loans. It also offers construction, rehabilitation, and self-employment loans, as well as programs for those looking for investment properties or hard money. In addition, the company assists investors seeking opportunities in commercial real estate. Solve Lending & Realty was founded by two brothers with 30 years of combined experience.

License Verified:

License: 2013271

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 (21)
Facebook
5.0 / 5 (1)

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
18000 Studebaker Rd. Suite 700, Cerritos, CA 90703
  • New Construction

Why choose this provider?

Solve Lending & Realty serves people throughout the Lakewood area and the surrounding communities. It offers mortgage refinancing programs for residents who own condominiums, manufactured homes, single- or multi-family residences, and townhouses. These refinancing options help clients improve their properties, lower their interest rates, or take cash out. The firm's loan products also include jumbo, FHA, USDA, and VA loans. Solve Lending & Realty's founders bring over 30 years of combined experience in the industry.

License Verified:

License: 2013271

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 (21)
Facebook
5.0 / 5 (1)

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
Lakewood, CA
  • New Construction

Why choose this provider?

Katherine Avila-Monzon is a loan officer at GEM Mortgage, serving the refinancing needs of Lakewood residents. She offers rate, term, and cash-out refinancing programs, as well as jumbo and adjustable-rate mortgages. Katherine caters to the financing needs of clients whose properties include single-family homes, condos, and townhouses. GEM Mortgage is a division of Golden Empire Mortgage, Inc., with more than 35 years of industry experience. The lender provides a mortgage calculator to help clients project their potential expenses.

License Verified:

License: 2031044

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
Facebook
4.7 / 5 (35)

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
4010 Watson Plaza Dr., Lakewood, CA 90712
  • Reverse Mortgages

Why choose this provider?

Steven Soriano of Essex Mortgage serves individuals, couples, and families throughout Lakewood and the surrounding areas. He and his team offer different types of refinancing loans to clients, helping them achieve their goals, whether it's to reduce monthly payments, cash out some of their equity, or consolidate existing debts. Loan options are also available for buyers of real estate properties, whether they are first-timers or seasoned investors. Soriano is an active member of the California Association of Mortgage Professionals.

License Verified:

License: 263934

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 (5)
Google
5.0 / 5 (2)
Yelp
5.0 / 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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
3020 Old Ranch Parkway Suite 300, Seal Beach, CA 90740
  • Reverse Mortgages

Why choose this provider?

Karbon Financial supports clients in Lakewood and neighboring communities. It provides mortgage refinancing solutions for people seeking to lower their interest rates and monthly payments, revise their loan terms, or pull cash out of their home's equity. Customers receive various options based on their needs after submitting a home refinance analysis request. These include fixed-rate, adjustable-rate, jumbo, FHA, VA, and conforming loans. Karbon Financial is partnered with over 100 wholesale lenders to help clients with their financing needs.

License Verified:

License: 135622

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 (179)
Facebook
5.0 / 5 (1)

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
18000 Pioneer Blvd #206, Artesia, CA 90701
  • New Construction
  • Reverse Mortgages

Why choose this provider?

My City Financial is a mortgage broker that serves Lakewood and surrounding areas. Its team assists homeowners and property investors who are considering refinancing their current mortgages. It provides loans against residential and commercial real estate with fixed rates. It handles FHA, VA, home equity, construction, and SBA loans for various property types, including single-family, multifamily, condominiums, townhouses, and manufactured homes. Founded by loan officer Joe Mathai, My City Financial has been in business since 1994.

License Verified:

License: 307431

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 (10)
Facebook
5.0 / 5 (8)

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

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.
  • What are the two main types of conventional refinances available to Lakewood homeowners?

    Lakewood homeowners have access to conventional refinancing options, categorized as either rate and term or cash-out refinances. Rate and term refinancing involves altering the interest rate and loan terms while keeping the loan balance unchanged, except for incorporating closing costs, impounds, and fees into the new loan. On the other hand, cash-out refinancing pertains to homeowners receiving cash due to securing a new loan with a higher amount than their existing debt.

  • Is refinancing a Lakewood home using its equity to obtain a conventional loan possible?

    Yes, it is possible to refinance a Lakewood home using its equity to obtain a conventional loan. This type of mortgage refinancing involves a process where homeowners replace their existing mortgage with a new one that has different terms. If homeowners bought their residences over a year ago and are currently making payments for mortgage insurance, they could possess sufficient equity to refinance and do away with the need for mortgage insurance payments.

  • What are the mortgage interest rates and annual percentage rates in Lakewood?

    The interest rates and APRs for different fixed-rate mortgages in Lakewood are as follows: A 30-year mortgage carries an interest rate of 7.080% and an APR of 7.162%. For a 20-year mortgage, the interest rate is 7.010%, and the APR is 7.114%. Lastly, a 15-year mortgage holds an interest rate of 5.988%, accompanied by an APR of 6.157%.

  • What should Lakewood homeowners take into account when making the decision to refinance their current mortgages?

    Lakewood residents who opt for mortgage refinancing need to understand that they will face a comparable level of financial evaluation as they did during their initial home purchase. This means that homeowners must be vigilant about their credit standing and ensure timely payments, as their credit score plays a pivotal role in ascertaining their eligibility for a home loan. Furthermore, the interest rate they qualify for is influenced by their credit score.

  • What are the expenses associated with mortgage refinancing in Lakewood and in the state of California?

    Based on the loan amount and the loan program, individuals who own homes in Lakewood should be prepared for expenses ranging from $2,800 to $3,800. The breakdown of costs for a mortgage refinance in this scenario includes $1,100.00 for lender fees, $80.00 for tax service, and $75.00 for a credit report. Note that this cost breakdown is a standard representation and does not incorporate potential lender credits or points.

  • 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.