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Best Mortgage Refinance Companies in Long Beach

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American Prime Lending logo
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License Verified:

License: 1459496

Nationwide Multistate Licensing System and Registry

American Prime Lending

2525 Main Street Ste 410, Irvine, CA 92614
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  • Refinancing
  • Refinance

Business Description

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.

License Verified:

License: 1459496

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 (66)

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
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B² Funding Home Loans logo
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License: 1118239

Nationwide Multistate Licensing System and Registry

B² Funding Home Loans

1100 E 3rd St #204, Long Beach, CA 90802
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  • Residential
  • VA Home Loans
  • Conventional Loans

Business Description

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.

License Verified:

License: 1118239

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 (15)
Facebook
5.0 / 5 (13)

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
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Benjamin Group Lending logo
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License: 1494596

Nationwide Multistate Licensing System and Registry

Benjamin Group Lending

Los Angeles, CA
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  • Refinancing

Business Description

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.

License Verified:

License: 1494596

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 (12)
Facebook
5.0 / 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
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Brooks Mortgage Inc. logo
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License: 1608346

Nationwide Multistate Licensing System and Registry

Brooks Mortgage Inc.

18000 Studebaker Rd. Suite 700, Cerritos, CA 90703
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  • Refinancing

Business Description

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.

License Verified:

License: 1608346

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 (61)
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
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Close Loan Specialists Financial logo
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License: 1108729

Nationwide Multistate Licensing System and Registry

Close Loan Specialists Financial

4450 Cerritos Ave, Los Alamitos, CA 90720
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  • Residential

Business Description

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.

License Verified:

License: 1108729

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 (174)

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
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Fellowship Home Loans logo
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License: 60DBO-88101

Nationwide Multistate Licensing System and Registry

Fellowship Home Loans

16541 Gothard St, Suite 207, Huntington Beach, CA 92647
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  • Reverse Mortgages

Business Description

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.

License Verified:

License: 60DBO-88101

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 (489)

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
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Jesse Rivera logo
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License Verified:

License: 1537416

Nationwide Multistate Licensing System and Registry

Jesse Rivera

5150 Pacific Coast Hwy Suite 200, Long Beach, CA 90804
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  • Refinance

Business Description

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.

License Verified:

License: 1537416

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 (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
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Karbon Financial logo
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License Verified:

License: 39007

Nationwide Multistate Licensing System and Registry

Karbon Financial

3020 Old Ranch Parkway Suite 300, Seal Beach, CA 90740
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  • Refinance

Business Description

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.

License Verified:

License: 39007

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
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Long Beach Home Loan logo
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License: 1322436

Nationwide Multistate Licensing System and Registry

Long Beach Home Loan

5150 Pacific Coast Hwy #200, Long Beach, CA 90804
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  • Residential

Business Description

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.

License Verified:

License: 1322436

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 (76)
Facebook
5.0 / 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.
4.0
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––
Phoebe Choong logo
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License: 351897

Nationwide Multistate Licensing System and Registry

Phoebe Choong

3643 Ransom Street, Long Beach, CA 90804
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  • Reverse Mortgages

Business Description

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.

License Verified:

License: 351897

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 (14)
Facebook
5.0 / 5 (7)
Yelp
5.0 / 5 (4)

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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Quest Home Loans logo
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License: 1930287

Nationwide Multistate Licensing System and Registry

Quest Home Loans

4952 Warner Ave Suite 251, Huntington Beach, CA 92649
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  • Purchases
  • Refinance

Business Description

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.

License Verified:

License: 1930287

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 (27)
Google
5.0 / 5 (21)

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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Realinterest Mortgage Brokers logo
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License Verified:

License: 362733

Nationwide Multistate Licensing System and Registry

Realinterest Mortgage Brokers

2368 West Carson Street #130, Torrance, CA 90501
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  • Refinancing

Business Description

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.

License Verified:

License: 362733

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 (16)

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
Scott Lending Team logo
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License: 1900275

Nationwide Multistate Licensing System and Registry

Scott Lending Team

1100 Esplanade #4, Redondo Beach, CA 90277
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  • Refinance

Business Description

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.

License Verified:

License: 1900275

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 (54)
Facebook
5.0 / 5 (5)

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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South Bay Equity Lending logo
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License Verified:

License: 313275

Nationwide Multistate Licensing System and Registry

South Bay Equity Lending

1611 S Pacific Coast Hwy #102, Redondo Beach, CA 90277
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  • Reverse Mortgages
  • Hard Money Loans
  • Refinance
  • Purchase

Business Description

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.

License Verified:

License: 313275

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.
4.4
Google
4.9 / 5 (93)

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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The Mortgage Hub logo
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License Verified:

License: 943733

Nationwide Multistate Licensing System and Registry

The Mortgage Hub

5882 Bolsa Ave Suite 250, Huntington Beach, CA 92649
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  • Purchases
  • Refinance

Business Description

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.

License Verified:

License: 943733

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 (42)
Facebook
5.0 / 5 (42)
Yelp
5.0 / 5 (33)

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
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The Paladin Team logo
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License Verified:

License: 85410

Nationwide Multistate Licensing System and Registry

The Paladin Team

4515 E. Anaheim St., Long Beach, CA 90804
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  • Residential

Business Description

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.

License Verified:

License: 85410

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
4.5 / 5 (57)

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
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Back to Providers

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.

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.

How does mortgage refinance work?

The mortgage refinance process begins with choosing a broker and filling out loan application information. The process continues through underwriting and closing. The new mortgage is then used to pay off and close your original mortgage loan. This leaves you with a new loan and mortgage payment to manage each month.

When should you refinance a mortgage?

If your credit score has improved or mortgage interest rates have dropped, refinancing can potentially save you money. Other reasons to refinance your mortgage include getting a fixed rate instead of an adjustable one or getting a shorter loan term. An increase in your home’s value that can let you access more equity is another reason to refinance.

How much does it cost to refinance a mortgage?

The average cost to refinance a mortgage is $5,000. This amount varies, based on the state and county where the property is located and the loan amount. Common fees incurred when refinancing a mortgage include:

  • Appraisal fee
  • Broker’s fee
  • Credit check fee
  • Loan application fee
  • Recording fee
  • Title search and insurance fee

How soon can you refinance a mortgage?

Some lenders make borrowers wait a minimum of six months before accepting a new mortgage refinancing application. However, when that happens, borrowers can check with other lenders to find one that doesn’t require a wait before refinancing. A mortgage refinance broker can guide you to lenders that allow immediate refinancing.

How long does it take to refinance a mortgage?

The average amount of time it takes to refinance a mortgage is 45 days. In some cases, it may be possible to get it done faster. There also may be times when it takes longer to get a mortgage refinanced.

What is the average closing cost to refinance a mortgage?

The average closing cost when refinancing a mortgage is $4,345. Closing costs may be much higher or lower depending on the amount of money borrowed. If you see an ad that says there are no closing costs, the costs are factored in elsewhere in the terms of the loan.

How often can you refinance a mortgage?

You can refinance a mortgage as often as you like, however, if you refinance frequently, it can cost more in fees than you save on interest. Some reasons for refinancing repeatedly include a sharp drop in interest rates or going through a life event, such as a divorce.

When is it worth it to refinance a mortgage?

It’s worth it to refinance when interest rates drop and refinancing will save you money. It also may be worth refinancing if you need to access some of your home’s equity to cover other expenses. Refinancing may be worthwhile if you're switching from a variable to a fixed rate mortgage.

Can you refinance a mortgage with no closing costs?

You can refinance a mortgage without paying closing costs at the time. However, those costs are still owed and are factored in elsewhere in the financing. Lenders either add the costs to the principal owed or increase the interest rate on your refinanced mortgage loan.

Can you refinance a home equity loan into a mortgage?

You can refinance a home equity loan into a mortgage in some situations. You have to have excellent credit to do this. Additionally, you must have enough equity in your home to qualify for a new mortgage that pays off the existing mortgage and your home equity loan.

Can you refinance a mortgage without a job?

In some situations, you can refinance your mortgage if you don't have a job. It depends on the lender, because some will allow it and others won’t. A qualified mortgage refinance broker can help connect you with lenders that consider your situation. You have to submit documentation about your unemployment and the income you have.

Can you refinance a mortgage with bad credit?

It’s possible to refinance a mortgage if you have bad credit. If your payment record with your current lender is good, you can discuss refinancing with that lender. You may also be able to refinance a mortgage by going through a government-backed lender, such as the USDA or FHA.

Can you refinance a second mortgage?

It’s possible to refinance a second mortgage. If your credit score improves or interest rates drop, refinancing a second mortgage may save you money. Either of these situations can provide a way for you to get a lower interest rate. Refinancing a second mortgage can also sometimes shorten your loan repayment period.

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.

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.

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.

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