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Best Mortgage Refinance Companies in Mission Viejo

2024

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Providers

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Website
9891 Irvine Center Dr., Ste. 200, Irvine, CA 92618
  • Commercial Loans

Why choose this provider?

Oso Creek Mortgage is a full-service lending company that offers refinancing options to clients in the Mission Viejo area. It renders assistance for services that include PACE refinancing and debt consolidation loans. USDA, FHA, VA, HARP, and 203K loans are also available. Oso Creek Mortgage has worked with more than 50 wholesalers. Mortgage advisor Mark Stillman has been with the company since 2009, where he serves residential and commercial clients whose mortgage applications were initially rejected by banks.

License Verified:

License: 289388

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 (68)
Yelp
5.0 / 5 (20)
Facebook
5.0 / 5 (18)

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
23046 Avenida De La Carlota Ste 525, Laguna Hills, CA 92653
  • New Construction

Why choose this provider?

Brad Turpin is a branch manager at Paramount Residential Mortgage Group, Inc. He offers advice for Mission Viejo clients through his checklist and cheat sheet on how to simplify the mortgage process application. The agent assists with home loans and refinancing to cash out or get a rate according to a given budget. He and his team coordinate with clients to meet timetables for the closing of loans. Brad updates clients through follow-ups and strives to help them avoid red tape.

License Verified:

License: 255357

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 (24)

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

Why choose this provider?

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

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
23101 Lake Center drive #355, Lake Forest, CA 92630
  • New Construction
  • Reverse Mortgages

Why choose this provider?

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 (96)
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
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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.
4.1
Google
4.8 / 5 (22)

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

Why choose this provider?

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 (72)
Facebook
4.6 / 5 (10)
Yelp
5.0 / 5 (1)

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

Why choose this provider?

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 (107)
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

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

Why choose this provider?

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 (158)
Yelp
5.0 / 5 (129)
Facebook
5.0 / 5 (91)

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

Why choose this provider?

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

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

Why choose this provider?

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 (7)

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

Why choose this provider?

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 (92)
Facebook
5.0 / 5 (62)

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
999 Corporate Dr Ste 180, Ladera Ranch, CA 92694
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Truss Financial Group caters to clients in Mission Viejo who seeks refinancing and mortgage options. It replaces current debts with less burdensome alternatives that better reflect the developments since a loan's original signing. It has specialized programs that are fit for self-employed borrowers with fluctuating cashflows. Reverse mortgages are also on hand for senior citizens. Truss Financial Group is an independent agency that focuses on stated income products. It has been in the business for over 20 years and has weathered the 2008 financial crisis.

License Verified:

License: 2006915

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
Google
4.7 / 5 (53)
Yelp
4.5 / 5 (29)
Facebook
4.7 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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.
4.3
Facebook
5.0 / 5 (18)
Yelp
3.5 / 5 (11)

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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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 benefits of mortgage refinancing in Mission Viejo?

    One of the benefits that a homebuyer may get from mortgage refinancing in Mission Viejo is maximizing their monthly income. Through mortgage refinancing, a borrower may shift to a different loan program with a longer term or lower rate. By doing so, they may be able to use their money in other ways, such as investing or increasing their savings.

  • Is a borrower required to submit income documentation when applying for the FHA Streamline Refinance program in Mission Viejo?

    No. It is not necessary to submit income documentation when applying for the FHA Streamline Refinance program in Mission Viejo. The program allows a borrower to shift from one FHA loan to a different FHA loan. Aside from the lack of income documentation, the program does not need any debt-to-income limitation or calculation.

  • What potential disadvantages should a borrower in Mission Viejo consider when selecting FHA cash-out refinancing programs?

    While there are a lot of advantages that a borrower in Mission Viejo may get from choosing FHA cash-out refinancing programs, there are also some disadvantages that come with the said loan option, such as its required mortgage insurance premiums. It is possible for these premiums to increase the homebuyer’s existing loan’s closing costs and monthly payments.

  • What are the factors loan officers consider when a borrower applies for an FHA cash-out refinance program in Mission Viejo?

    Loan officers in Mission Viejo would need to consider various factors when a borrower applies for an FHA cash-out refinance program, such as the homebuyer’s income and credit history. Other potential considerations include the borrower’s existing assets and a new appraisal report on their subject property.

  • What are the qualifications that a borrower in Mission Viejo needs to meet in order to be eligible for a USDA streamline refinance loan?

    A borrower in Mission Viejo needs to meet several qualifications to be eligible for a USDA streamline refinance loan, such as that the existing mortgage is a USDA home loan, that it is not a delinquent account, and that no cash-out has been taken from the mortgage except to pay for the present loan. Additionally, the refinance must result in lower interest rates and monthly payments for the consumer.

  • 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.