Best Mortgage Refinance Companies in Mission Viejo

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A2Z Tax & Financials logo
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License Verified:

License: 1393235

Nationwide Multistate Licensing System and Registry

A2Z Tax & Financials

14200 Culver Dr. Suit #285, Irvine, CA 92604
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  • New Construction
  • Reverse Mortgages

Business Description

A2Z Tax & Financials caters to the residents of Mission Viejo and nearby communities. It offers homeowners the option of a cash-out refinance to enable them to access the equity in their properties. Additionally, it provides a wide variety of loan programs for homebuyers, including FHA, VA, and jumbo. The company's team members also perform tax preparation and planning, IRS representation, business consulting, bookkeeping, and payroll services. Its founder, Ashkan Zahabi, carries more than 15 years of banking experience.

License Verified:

License: 1393235

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 (106)

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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American Veteran Mortgage logo
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License Verified:

License: 1238825

Nationwide Multistate Licensing System and Registry

American Veteran Mortgage

27281 Las Ramblas Suite 200, Mission Viejo, CA 92691
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  • New Construction
  • Reverse Mortgages

Business Description

American Veteran Mortgage provides comprehensive assistance for clients throughout Mission Viejo. Its portfolio of multiple loaning options includes custom refinancing programs that improve long-term interest rates, reduce monthly payments, and offer settlement opportunities for outstanding debts. Its team also provides applicants with access to various industry-related resources and informative reports on local marketing trends and conditions for their perusal prior to choosing a specific program. In addition, the firm assists military personnel and their families in canvassing and acquiring new properties within the region.

License Verified:

License: 1238825

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 (75)
Facebook
4.4 / 5 (7)
Yelp
5.0 / 5 (1)
California Coastal Loans logo
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License Verified:

License: 1533336

Nationwide Multistate Licensing System and Registry

California Coastal Loans

26381 Crown Valley Parkway, Mission Viejo, CA 92691
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  • New Construction
  • Reverse Mortgages

Business Description

California Coastal Loans caters to clients in Mission Viejo and the surrounding areas. It aids individuals in achieving their financial goals, whether they want to buy properties or refinance a mortgage. The firm's mortgage specialists determine borrowers' loan eligibility by evaluating various factors, including current financial status and potential future financial changes. Some of the lending programs available are FHA, VA, ARM, jumbo, and fixed rates mortgages. California Coastal Loans has been accommodating clients since 1999.

License Verified:

License: 1533336

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 (159)
Yelp
5.0 / 5 (128)
Facebook
5.0 / 5 (106)

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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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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  • New Construction
  • Reverse Mortgages

Business Description

First Rate Lending & Real Estate Solutions takes care of the mortgage refinance needs of Mission Viejo residents. It offers a cash-out refinance program to help customers consolidate debt or obtain funds for home renovation. Its other mortgage options include first-time buyer loans and reverse mortgages. The company aims to deliver efficient mortgage services by constantly improving its technologies and systems. Jeff Kutnick, the firm's president, has more than 15 years of experience in the mortgage industry.

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 (95)

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
Kelly Mortgage Center logo
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License Verified:

License: 1767312

Nationwide Multistate Licensing System and Registry

Kelly Mortgage Center

120 Vantis Drive, Suite 300-6, Aliso Viejo, CA 92656
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  • New Construction

Business Description

Kelly Mortgage Center caters to clients in the Mission Viejo area and the surrounding metros. The firm offers mortgage refinancing options to borrowers, helping them pay off their existing loans faster, consolidate their debts, lower their rates and monthly payments, take cash out to pay tuition, update their homes, or get a vacation. It also provides government-backed loan programs, such as FHA, VHA, and USDA or rural housing loans. Kelly Mortgage Center has been in operation since 2005.

License Verified:

License: 1767312

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 (14)
Facebook
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
Rick Martinez logo
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License Verified:

License: 1708976

Nationwide Multistate Licensing System and Registry

Rick Martinez

400 Spectrum Center Drive, Suite 1800 Office 103, Irvine, CA 92618
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  • New Construction

Business Description

Rick Martinez is a mortgage loan officer for Intercontinental Capital Group. He helps clients in the Mission Viejo area secure refinancing for their homes to reduce interest rates, shorten their loan terms, or take cash out of their home's equity for home improvements or debt consolidation. He also aids homebuyers with their FHA or conventional loan applications. Martinez gives his customers access to an Electronic Loan Center where they may track the status of their application, receive and sign electronic disclosures, and upload necessary documents.

License Verified:

License: 1708976

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
4.5 / 5 (836)

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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Detail
SJ&B Mortgage logo
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License Verified:

License: 1829852

Nationwide Multistate Licensing System and Registry

SJ&B Mortgage

26060 Acero, Suite 115, Mission Viejo, CA 92692
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  • New Construction

Business Description

SJ&B Mortgage is a family-operated and family-owned company that accommodates real estate investors, first-time homebuyers, and seasoned veterans in Mission Viejo and its surrounding communities. The company helps customers lower their interest rates and fund home improvement projects by refinancing various residential properties, such as condominiums, manufactured homes, multi-unit dwellings, townhouses, and single-family residences. Founder Bill Goocher also offers conventional, VA, jumbo, and conforming loans. He has over 20 years of combined experience as a real estate broker and mortgage consultant.

License Verified:

License: 1829852

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 (27)

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
Total Quality Lending logo
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License Verified:

License: 1933377

Nationwide Multistate Licensing System and Registry

Total Quality Lending

7700 Irvine Center Drive, Suite 760, Irvine, CA 92618
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  • Reverse Mortgages

Business Description

Total Quality Lending is open to refinancing applications from individuals and families based throughout Mission Viejo. The firm offers a selection of custom programs with terms that match each applicant's specific refinancing goals, including debt consolidation, property improvement, and interest rate reduction. Its staff offers tailored financial recommendations based on a client's long-term income situation, current interest rates, and preferred term duration. It also provides educative guidance through the use of comprehensive marketing reports on local property values and rate changes.

License Verified:

License: 1933377

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
Google
4.8 / 5 (148)
Facebook
5.0 / 5 (20)

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
Helpfulness
Detail
––
True Mortgage logo
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License Verified:

License: 1626699

Nationwide Multistate Licensing System and Registry

True Mortgage

400 Spectrum Center Dr Suite 800, Irvine, CA 92618
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  • New Construction

Business Description

True Mortgage serves the locals of the Mission Viejo community. It provides mortgage refinancing solutions that help its clients meet their financial needs. These include cash-out options for individuals that have enough equity in their homes. These allow them to acquire lower interest rates, maximize their lifetime interest savings, and pay off their homes sooner. True Mortgage is a small office that is licensed to operate in eight other states, including Oregon, Washington, and Florida.

License Verified:

License: 1626699

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
Google
4.8 / 5 (22)
True Path Loans logo
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License Verified:

License: 1876959

Nationwide Multistate Licensing System and Registry

True Path Loans

16470 Bake Parkway Suite 200, Irvine, CA 92618
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  • New Construction
  • Reverse Mortgages

Business Description

True Path Loans is a boutique mortgage broker serving Mission Viejo. It offers refinance opportunities for homeowners to cash out on their property equity or fix their loans at reduced rates. Jumbo, FHA, 30-year FRM, and government-backed SBA loans are among the options available. True Path Loans provides refinance calculation and rate comparison tools to inform customers of their options. As a Vetted VA mortgage professional, Adrian Placinta, its owner, also provides refinancing guidance and information about VA benefits.

License Verified:

License: 1876959

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 (86)
Facebook
5.0 / 5 (47)

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
Watermark Home Loans logo
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License Verified:

License: 1838

Nationwide Multistate Licensing System and Registry

Watermark Home Loans

100 Spectrum Center Dr Ste 150, Irvine, CA 92618
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  • New Construction

Business Description

Watermark Home Loans serves homeowners in Mission Viejo and nearby communities. It offers refinancing solutions with a variety of loan types available, including jumbo, conventional, FHA, VA, and USDA programs. It also provides non-QM loans with interest-only options and bank statement programs for self-employed clients. It utilizes the Watermark Loan Hub, where clients can complete digital mortgage applications and upload paperwork with 24/7 access to their loan information. Watermark Home Loans has been in the industry since 2006.

License Verified:

License: 1838

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.
4.6
Google
4.6 / 5 (786)

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
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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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