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2024

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Best Mortgage Refinance Companies in Long Beach

Our Recommended Top 16

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Long Beach Mortgage Refinance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

257Reviewed

160Curated

16Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

4515 E. Anaheim St., Long Beach, CA 90804
WebsiteLicense: 85410

Expertise.com Rating

Why choose this provider?

The Paladin Team is a company serving homeowners in Long Beach and the surrounding areas. Established in 2000, it has been helping clients purchase and refinance their homes for more than 19 years. Some of the refinancing options offered by the company include conventional, commercial, and jumbo programs. Other options available include the FHA streamline, cash out, and 203K programs, as well as the USDA streamline and VA streamline and cash out programs.

  • Residential

16541 Gothard St, Suite 207, Huntington Beach, CA 92647
WebsiteLicense: 60DBO-88101

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Review Sources

Facebook
4.9 (464)
Google
4.3 (12)
Yelp
3.5 (4)

Why choose this provider?

Fellowship Home Loans helps clients in the Long Beach metro who are about to purchase properties. The company walks clients through mortgage refinancing, allowing them to make the most of low rates. Refinancing is beneficial for individuals seeking to remodel properties as a source of income. It helps clients determine what personal factors make refinancing necessary, including college finances for children, saving up for a trip, and grabbing business opportunities. Fellowship Home Loans has been in the industry for a decade.

  • Reverse Mortgages

4952 Warner Ave Suite 251, Huntington Beach, CA 92649
WebsiteLicense: 1930287

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Review Sources

Yelp
5.0 (27)
Google
5.0 (21)

Why choose this provider?

Quest Home Loans is a mortgage firm that offers funding solutions to mortgagors situated in Long Beach. The business helps customers obtain purchasing and refinancing arrangements, offering 24/7 support. It has over $200 million in funded loans across its 10 years of service to over 1,000 customers. Founder Mai Ta had 10 years of prior experience as a loan officer prior to opening her own brokerage. Her clientele includes both complex borrowers and first-time home buyers.

  • Purchases
  • Refinance

1100 Esplanade #4, Redondo Beach, CA 90277
WebsiteLicense: 1900275

Expertise.com Rating

Review Sources

Facebook
5.0 (8)

Why choose this provider?

Scott Lending Team is a brokerage serving Long Beach and the surrounding communities. It provides a wide range of loan options for individuals who are looking to buy, build, or refinance a home. These include FHA, VA, HARP, USDA, jumbo, and reverse mortgage. Clients can also utilize a variety of tools available on its website for refinancing analysis, home value estimate, or home search. The firm's mortgage broker, Jeremy Scott, has extensive experience as a loan officer assisting clients in making well-informed decisions in choosing a program.

  • Refinance

1611 S Pacific Coast Hwy #102, Redondo Beach, CA 90277
WebsiteLicense: 313275

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Why choose this provider?

South Bay Equity Lending is a loan brokerage firm catering to the residents and businesses of Long Beach. It assists clients with acquiring mortgage loans, refinancing, consolidating high-interest debt, and converting part of home equity into cash from loan proceeds. It also handles other types of real estate secured loans such as VA, USDA, and FHA government loans, and Foreign National programs. The organization was established in 1998 and is helmed by Matthew Hadnett, a former Wells Fargo executive.

  • Reverse Mortgages
  • Hard Money Loans
  • Refinance

2525 Main Street Ste 410, Irvine, CA 92614
WebsiteLicense: 1459496

Expertise.com Rating

Review Sources

Google
4.9 (56)

Why choose this provider?

American Prime Lending serves the mortgage needs of home buyers and owners in the Long Beach area. Its team of loan advisors provides refinancing options for clients looking to cash out from their home equities or decrease monthly payments and interest rates. Some of the mortgage products they offer are super jumbo, conforming, and fixed-rate loans. They also offer government loans such as VA, FHA, and USDA. In addition, they assist both seasoned investors and first-time homebuyers in securing home loans.

  • Refinancing
  • Refinance

18000 Studebaker Rd. Suite 700, Cerritos, CA 90703
WebsiteLicense: 1608346

Expertise.com Rating

Review Sources

Google
5.0 (61)
Facebook
5.0 (1)

Why choose this provider?

Brooks Mortgage Inc. offers home financing solutions to customers residing in Long Beach. The firm provides mortgage options and loans with fixed or adjustable rates for homes and other residential spaces. These include conforming, jumbo, and super jumbo loans. Terms may range from five to 30 years. The company also has refinancing options. The business' clientele ranges from first-time buyers to seasoned investors. Every customer is given services that fit their unique needs and circumstances.

  • Refinancing

3020 Old Ranch Parkway Suite 300, Seal Beach, CA 90740
WebsiteLicense: 39007

Expertise.com Rating

Review Sources

Google
5.0 (163)

Why choose this provider?

Karbon Financial is a mortgage broker serving clients throughout Southern California, including Long Beach. It has partnered with over 100 wholesale lenders to offer clients a wide array of mortgage programs at reasonable rates. The company caters to diverse clientele like first-time homebuyers hoping to achieve the American Dream or seasoned real estate investors. Its agents provide home purchasers with fixed or adjustable-rate mortgages and superjumbo loans. They also offer FHA, USDA, and VA loans with terms from five to 30 years.

  • Refinance

5150 Pacific Coast Hwy #200, Long Beach, CA 90804
WebsiteLicense: 1322436

Expertise.com Rating

Review Sources

Google
4.9 (76)
Facebook
5.0 (4)
Yelp
5.0 (2)

Why choose this provider?

Serving families and individuals in the metro, Long Beach Home Loan is a company that offers home purchase and refinance loans. Its team of loan officers is equipped with the knowledge and experience to help clients achieve their dream of homeownership. They also educate clients about the differences between loan programs. The firm offers clients a wide range of loan options, such as 15-year and 30-year fixed mortgages, reverse mortgages, and jumbo, VHA, and FA loans.

  • Residential

5150 Pacific Coast Hwy Suite 200, Long Beach, CA 90804
WebsiteLicense: 1537416

Expertise.com Rating

Review Sources

Google
5.0 (40)
Yelp
5.0 (3)

Why choose this provider?

Jesse Rivera is a mortgage broker who serves clients in Long Beach. He offers mortgage refinancing solutions based on the needs, concerns, and goals of clients. Jesse has been helping families with their home purchases for more than 15 years. He has received commendations from previous clients, including a real estate agent, for explaining different payment scenarios using a video presentation. The professional serves on the board of the Lakewood YMCA. He is also a member of the Long Beach Rotary Club.

  • Refinance

1100 E 3rd St #204, Long Beach, CA 90802
WebsiteLicense: 1118239

Expertise.com Rating

Review Sources

Yelp
5.0 (37)
Google
5.0 (15)
Facebook
5.0 (13)

Why choose this provider?

B² Funding Home Loans is a full-service mortgage firm that provides personalized assistance to make home ownership simple for clients in Long Beach and the surrounding areas. The firm's founder, Babak Bijarchi, has more than a decade of experience in finance and business. Bijarchi and his team help clients select the right loan that fits their unique needs. They offer a range of loan options, including VA and FHA loans, conventional refinancing, Alt-A and conventional loans.

  • Residential
  • VA Home Loans
  • Conventional Loans

2368 West Carson Street #130, Torrance, CA 90501
WebsiteLicense: 362733

Expertise.com Rating

Review Sources

Yelp
5.0 (19)

Why choose this provider?

Realinterest Mortgage Brokers is a family-owned firm that has been serving the local Long Beach community since 2005. Mortgage professionals of the firm assist clients who are looking into refinancing their homes for various reasons such as lowering interest rates, consolidating debts with a cash-out, or securing funds for home improvements. It also assists clients who are considering purchasing their first homes or are thinking of investing in real estate properties through its broad range of mortgage solutions.

  • Refinancing

5882 Bolsa Ave Suite 250, Huntington Beach, CA 92649
WebsiteLicense: 943733

Expertise.com Rating

Review Sources

Google
5.0 (42)
Facebook
5.0 (42)
Yelp
5.0 (33)

Why choose this provider?

The Mortgage Hub serves the residents of Long Beach. Established in 2009, the mortgage company helps individuals and families refinance their homes. It offers fixed-rate and flex-term mortgages; and VA, FHA, and jumbo home loans. Its team of real estate professionals also assists homebuyers and real estate investors in finding the appropriate mortgage option for their needs. Co-founder and CFO Phil Checinski is experienced in all aspects of mortgage lending and has been in the industry for over a decade.

  • Purchases
  • Refinance

Los Angeles, CA
WebsiteLicense: 1494596

Expertise.com Rating

Review Sources

Google
5.0 (12)
Facebook
5.0 (9)

Why choose this provider?

Benjamin Group Lending assists clients in the Long Beach metro with mortgage refinancing matters. The group finds solutions suitable for a wide range of clients, including first-time buyers or foreign nationals. It helps clients compute mortgage rates, which have an impact on refinancing. It advises them on the optimal time to refinance to save money on houses. The group offers advice to clients on factors affecting mortgage fluctuations including principal, inflation, and world events. Pete Benjamin facilitates the real estate process for clients.

  • Refinancing

4450 Cerritos Ave, Los Alamitos, CA 90720
WebsiteLicense: 1108729

Expertise.com Rating

Why choose this provider?

Close Loan Specialists Financial is a firm serving Long Beach and the surrounding communities. It guides individuals in choosing from a wide selection of loan products and programs whether they are buying or refinancing a home. The options include FHA, VA, jumbo, conventional, construction model, and downpayment assistance. One of its loan specialists, Tony Close, has been working in the industry since 2003 and utilizes his extensive experience with the refinance markets and home purchase.

  • Residential

3643 Ransom Street, Long Beach, CA 90804
WebsiteLicense: 351897

Expertise.com Rating

Review Sources

Google
4.9 (14)
Facebook
5.0 (7)
Yelp
5.0 (4)

Why choose this provider?

Phoebe Choong is associated with CMF Real Estate Capital Group, a financial services company serving customers in need of mortgage refinancing assistance in Long Beach. Her firm offers home purchase, jumbo, and conforming loans, in addition to reverse mortgages. Portfolio lending products are also offered. Choong hails from an architecture background. She has been a licensed real estate agent since 2001 and has spent the last 19 years as a sole proprietor. Her experience includes sales and negotiation processes across both residential and commercial contexts.

  • Reverse Mortgages

FAQs

  • 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 benefits of refinancing your mortgage in Long Beach?

    Refinancing your mortgage in Long Beach can give you several benefits, the main one being the chance to get a lower interest rate. This can lead to reduced monthly payments, potentially saving you between $100 and $300 each month. Additionally, refinancing at a lower rate can result in substantial long-term savings, potentially reaching hundreds of thousands of dollars over the life of your mortgage.

  • What loan programs are available that require minimal documentation for mortgage approval in Long Beach?

    Long Beach residents have access to three loan programs that offer streamlined documentation requirements for mortgage approval. These programs include Harp 2, FHA Streamline, and VA loans. Designed to simplify the mortgage process, they provide applicants with opportunities to secure approval with reduced paperwork, making the path to homeownership or refinancing more efficient and convenient.

  • Who should consider FHA home loan refinance in Long Beach?

    If your credit score is below 700 and you possess limited equity in your home, the FHA home loan refinance program could be a suitable choice for you. Moreover, this program presents the opportunity to refinance an existing non-FHA loan into an FHA loan, offering flexibility and potential benefits for those looking for refinancing solutions in Long Beach.

  • What is an escrow company's role in the mortgage refinancing process in Long Beach?

    When a home loan is modified, an escrow company in Long Beach works alongside the lender to ensure that all post-financing aspects of the loan are accurately completed and recorded. This includes handling the disbursement of funds, coordinating with the title company, and ensuring that taxes and fees are paid in accordance with the terms of the loan.

  • When is it not a good idea to refinance your current home loan in Long Beach?

    Refinancing in Long Beach might not be a good idea if you plan to move within the next six months, your current home loan interest rate is already low, or you're in the middle of significant home remodeling. Additionally, if you're close to paying off your mortgage or the costs associated with refinancing are too high, it may not be the most beneficial choice. Before refinancing, compare potential savings and benefits against costs and your situation to make an informed decision.

  • 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.