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Best Mortgage Refinance Companies in Lancaster

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Augusta Financial, Inc logo

Augusta Financial, Inc

2010 West Ave J-8, Suite 107, Lancaster, CA 93536
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  • New Construction
  • Reverse Mortgages

Augusta Financial, Inc. assists first-time home buyers and sellers, as well as those who seek refinancing options, throughout Lancaster. Its staff uses comprehensive mortgage-related knowledge obtained from at least 25 years of service to provide clients with tailored choices that accommodate their financial needs. It educates applicants on facets such as debt consolidation, reduced interest rates, and cash-outs through each step of the loaning and refinancing process. Since its start in 1995, the agency has covered loans amounting to more than $11 billion.

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Cake logo

Cake

9200 Oakdale Ave, Unit 501, Chatsworth, CA 91311
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Cake has helped fund over $3.5 billion in loans since 2018. The Chatsworth-based mortgage company caters to clients in Lancaster, whether they are looking for refinancing solutions or purchasing a new home. Driven by the mission to be a client's partner for life, the team offers flexibility in personalizing cash-out mortgage refinancing programs and helps borrowers get the most from their investments. Individuals and families interested in Cake's refinancing services may apply 24/7 online. Once qualified, a concierge will be available to guide customers throughout the lending process.

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Dignified Home Loans LLC logo

Dignified Home Loans LLC

33321 Santiago Rd,, Acton, CA 93510
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  • New Construction

Dignified Home Loans LLC helps Lancaster homeowners achieve their mortgage refinancing goals, from getting cash from equity and consolidating debt to reducing monthly payments. It also offers FHA Streamline refinancing. It leverages current technology, such as its pre-approval generation software and in-house underwriting, to facilitate loan closings in an accurate and timely manner. Homebuyers seeking conventional, Jumbo, and VA loans are also welcome. Dignified Home Loans has been in the business of direct lending since 2013. It is a member of the Mortgage Bankers Association.

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Fast Financial logo

Fast Financial

190 Sierra Ct., Suite 324, Palmdale, CA 93550
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  • New Construction

Fast Financial is a mortgage brokerage firm serving clients in Lancaster and the surrounding areas. Its team of loan officers helps people refinance their mortgage, whether they are looking to reduce interest rates, shorten the term of their loans, or take cash out from their home's equity. They also provide various loan programs for acquiring homes and commercial properties, including conforming, jumbo, super jumbo, and government-backed financing options. Fast Financial has been providing mortgage solutions for over 12 years.

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Financial Independence Mortgage logo

Financial Independence Mortgage

536 E Palmdale Blvd, Palmdale, CA 93550
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  • Reverse Mortgages

Financial Independence Mortgage caters to people in the Lancaster community. The company offers refinance loans to help current borrowers reduce the monthly payments of their dream homes, whether they are single-family houses or condominiums. In addition, it has reverse mortgage and home purchase loan programs, including fixed-rate, FHA, VA, and USDA. Financial Independence Mortgage is led by Dean Henderson, who has been a full-time mortgage broker since 1988. He is a Certified Residential Mortgage Specialist and a Certified Credit Specialist by the National Association of Mortgage Brokers.

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John Trujillo logo

John Trujillo

41331 12th Street West, Palmdale, CA 93551
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  • New Construction

John Trujillo is a loan officer assisting home buyers and homeowners in and around Lancaster. He helps clients navigate different options that suit their needs, including purchase, rate and term refinancing, and cash-out refinancing programs. He is also knowledgeable about Fannie Mae's conventional, high-balance, and adjustable-rate mortgages. Other products include FHA, VA, and USDA loans. John works with GEM Mortgage, a division of Gorden Empire Mortgage, which has been in the mortgage lending business for nearly 30 years.

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KPM Mortgage logo

KPM Mortgage

28549 Sparrow Way, Santa Clarita, CA 91350
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  • New Construction

KPM Mortgage offers its services to the people of Lancaster. Its loan officers match clients with their ideal mortgage loan and help them plan for the future. The products the company offers include conventional, FHA, VA, and jumbo home loans. The boutique mortgage brokerage firm also provides assistance for mortgage refinancing solutions, so clients can continue to afford their homes. KPM Mortgage’s top-producing mortgage broker, Paul Minnick, has structured and closed hundreds of residential, commercial, and private money mortgages throughout his 15-year career as a mortgage broker and banker.

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Lendevity logo

Lendevity

21031 Ventura Blvd. Ste. 512, Woodland Hills, CA 91364
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  • Reverse Mortgages

Lendevity is a mortgage business that delivers refinancing options to homeowners in Lancaster. Its loan officers, headed by Sean Novak, analyze and strategize refinancing plans based on borrowers' current needs and future buying pursuits. They advise clients on matters involving property appraisals, transfer taxes, cash-out arrangements, and shorter or fixed-rate terms. The company employs a team with an average of more than 18 years of experience in the industry. It has served over 1,500 clients since its inception.

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Loans by Carl logo

Loans by Carl

10315 Woodley Ave Suite 119, Granada Hills, CA 91344
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  • New Construction
  • Reverse Mortgages

Loans by Carl offers mortgage refinancing solutions and assists people in achieving their goals of lowering interest rates and monthly payments, shortening mortgage terms, or withdrawing cash from the equity in their home. The company also handles home purchase financing, with options including FHA, VA, USDA, conforming, jumbo, and super jumbo loans. Carl Brackens, its senior mortgage lender, has been in the industry for over 20 years. His group serves clients in and around Lancaster.

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Mark & Kathy Foster logo

Mark & Kathy Foster

9618 Sweetwater Drive, Santa Clarita, CA 91390
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  • Reverse Mortgages

Mark & Kathy Foster offers mortgage services to home buyers and homeowners across the Lancaster community and the surrounding areas. They provide assistance to individuals applying for mortgage refinance programs to help them obtain cash-out funds, lower their interest rates, and achieve their financial goals. They also guide clients wishing to purchase their first or second residential properties using mortgage loan products. Mark and Kathy are a husband-and-wife team of mortgage brokers who bring 25 years of industry experience.

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Stressfree Mortgage logo

Stressfree Mortgage

25115 Avenue Stanford B220, Valencia, CA 91355
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  • Reverse Mortgages

Stressfree Mortgage offers loan options for clients looking to purchase or refinance a home in Lancaster. Its team provides a list of products suitable for the particular type of loan program. Requirements needed include proof of income, assets, and employment. Among the government loan programs available are VA, FHA, and USDA rural housing. Its certified mortgage consultant, Linda Fleischmann, is the author of "How to Have a Stress Free Mortgage." She gives lectures and workshops to help customers how to streamline the loan process.

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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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