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Best Mortgage Refinance Companies in Murrieta

2024

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Providers

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Website
41760 Ivy Street, Suite 102, Murrieta, CA 92562
  • Reverse Mortgages

Why choose this provider?

Vintage Mortgage Firm is a veteran-owned and veteran-operated lending firm that offers refinancing solutions to its clients in the Murrieta area and nearby metros. Options include deals for single and multi-family property types, as well as townhouses, condominiums, and manufactured homes. The firm also handles reverse mortgages, which can either be purchases or refinances. Owner Steve Gronlund is a Mortgage Broker and Lender who has served over 6,000 customers since 1991. He is also VA Loan Specialist who facilitated more than 3,500 loans.

License Verified:

License: 246260

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 (62)
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
Friendliness
Helpfulness
Detail

Website
26305 Jefferson Avenue Suite G, Murrieta, CA 92562
  • Reverse Mortgages

Why choose this provider?

Jason Welsh of Welsh Real Estate Services is a mortgage broker providing home loan solutions to clients in the Murrieta metro. He is an NMLS-licensed loan officer serving homeowners, buyers, and first-time home buyers through conventional and government loan programs. He also assists clients with mortgage refinancing and helps them lower their interest rates and get lower closing costs. Welsh additionally helps clients convert their existing adjustable-rate mortgages to fixed-rate mortgages and tap into their home equity for funds.

License Verified:

License: 2253305

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 (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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
38625 Calistoga Drive, Suite 200, Murrieta, CA 92562
  • New Construction

Why choose this provider?

Patriot Pacific Financial Corp is a mortgage lending company that services the Murrieta community and the surrounding cities. Its team of loan officers serves homeowners wishing to change their existing loan programs through mortgage refinancing services. The company also offers various loan options for homebuyers, such as conventional, private money, reverse FHA, USDA, and VA. One of its loan officers, Gerard Verkuylen, has more than 35 years of experience in the mortgage refinance and insurance industry.

License Verified:

License: 1921615

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
4.9 / 5 (38)
Yelp
4.0 / 5 (20)

Website
41690 Ivy St, Suite B, Murrieta, CA 92562
  • New Construction

Why choose this provider?

Premiere Capital Mortgage serves clients in Hemet and neighboring areas. It offers home refinance programs, which reduce interest rates, lower monthly payments, and change loan terms. The process involves completing the home refinance analysis request, receiving options, comparing mortgage terms and interest rates, and choosing suitable loan types. The firm provides FHA, VA, USDA, jumbo, super jumbo, and conforming mortgage loans. Its mortgage broker, John Lawrence, has more than three decades of experience in the mortgage industry.

License Verified:

License: 257726

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
4.5 / 5 (8)
Facebook
5.0 / 5 (8)
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
Responsiveness
Friendliness
Helpfulness
Detail

Website
29995 Technology Dr., Suite 307, Murrieta, CA 92563
  • Reverse Mortgages
  • New Construction

Why choose this provider?

SilverTrust Funding deals with the home buying and refinancing needs of Murrieta residents. The agency assists individuals, families, and entrepreneurs in selecting suitable mortgages within the client's goals and preferences. It also offers personalized loan options with different credit score qualifications, interest rates, monthly payments, and term lengths indicated by filling in a five-step, quick, or standard loan application form. Owner Robert Franco founded the business in 2000. He and his team have formed partnerships with over 100 financial institutions.

License Verified:

License: 324966

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 (105)
Facebook
5.0 / 5 (40)
Yelp
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
25096 Jefferson Avenue, Suite B-213, Murrieta, CA 92562
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Larry Locke Pro-Funders, Inc., serves the residents of Murrieta and the surrounding neighborhoods. It works with multiple banking resources in order to offer mortgage refinancing and loan programs to clients. These include conventional, FHA, USDA, and VA options. Principal Larry Locke, who has been in the financial industry for more than 30 years, caters to a clientele that includes people with credit issues. One client attests to the ease with which their escrow process was fulfilled.

License Verified:

License: 304673

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 (52)
Yelp
5.0 / 5 (12)

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
41663 Date Street Suite 201, Murrieta, CA 92562
  • Commercial Loans

Why choose this provider?

United Loan Center is a mortgage business serving clients in and around Murrieta. It helps homeowners achieve their financial goals by offering diverse lending options, including refinancing programs. Its specialists assist VA and FHA clients in applying for a refinancing mortgage to renegotiate their monthly payments, interest rates, and terms. The team strives to make the process of obtaining a home loan simple and straightforward by providing a variety of financial tools that aid clients in their financial decisions.

License Verified:

License: 806124

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 (14)
Facebook
5.0 / 5 (6)
Google
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
Friendliness
Helpfulness
Detail

Website
24910 Las Brisas, 119, Murrieta, CA 92562
  • Reverse Mortgages

Why choose this provider?

Vault Financial Mortgage Services is a Murrieta-based company offering options to homeowners in the community. It helps clients choose refinancing products such as super jumbo or jumbo, fixed-rate, or ARM loans that match their goals. Its mortgage professionals conduct refinancing analysis and provide solutions based on each client's individual scenario and criteria. One of these professionals, Wes Hankins, has been in the lending and real estate industry for over 17 years. He has experience in managing foreclosure transactions and working for government agencies.

License Verified:

License: 308071

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
Responsiveness
Friendliness
Helpfulness
Detail

Website
41690 Ivy Street, Murrieta, CA 92562
  • Reverse Mortgages

Why choose this provider?

Ryder Mortgage Group caters to the home refinancing needs of borrowers in Murrieta. It provides refinancing options for buyers of primary residences, vacation homes, and investment properties. The company offers a variety of mortgage programs to meet the specific needs of each home buyer, including jumbo, FHA, USDA, and VA loans. Ryder Mortgage Group has been helping clients with their homeownership goals since 2006. Its branch manager, Jodi Ryder, has over 20 years of mortgage experience.

License Verified:

License: 135622

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 (47)
Google
5.0 / 5 (43)
Facebook
5.0 / 5 (43)

Website
38625 Calistoga Dr., Murrieta, CA 92563
  • Reverse Mortgages

Why choose this provider?

Kathy Lee Mortgage Team caters to residential clients in Murrieta who are looking to purchase, mortgage, or refinance their properties. It specializes in securing VA loans for active duty and veteran military service members. Broker associate Kathy Lee Quach has over two decades of experience in the real estate and mortgage industry. She works with her lending team to provide timely service, striving to close residential purchases in 10-30 days and refinancing transactions within three to four weeks.

License Verified:

License: 1202711

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 (47)
Facebook
5.0 / 5 (15)

Website
38625 Calistoga Dr, Suite 200, Murrieta, CA 92563
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Military Mortgage Group serves clients in Murrieta and nearby regions. Its team works with people who want to refinance a conventional mortgage loan, discussing strategies for lower interest rates, a cash bank, and a longer repayment term. In addition, the company assists military families in achieving financial literacy and building wealth by extending a VA loan. Constance Carlisle, the company's owner, has a master's degree in business administration. She has been working in real estate since 2007.

License Verified:

License: 1892580

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 (18)
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
Responsiveness
Friendliness
Helpfulness
Detail

Website
27420 Jefferson Ave., Suite 101A, Temecula, CA 92590
  • Reverse Mortgages

Why choose this provider?

CIB Funding is a mortgage lender serving clients in the Murrieta metro and the surrounding areas. It helps individuals seeking to refinance their home mortgages to lower monthly payments, consolidate debt, or cash out for large expenses, or save money in the long run. The company also offers loan programs for homebuyers, including conventional, FHA, and VA loans. Its team of mortgage professionals has over 35 years of experience in the Southern California mortgage industry.

License Verified:

License: 269415

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 (63)
Facebook
4.8 / 5 (16)
Yelp
5.0 / 5 (5)

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.
  • Why should individuals in Murrieta consider refinancing if they are faced with higher interest rates on their loans?

    People in Murrieta grappling with elevated loan interest rates may find significant monetary advantages through refinancing. Interest charges on loans are shaped by factors such as location, loan category, borrowed sum, and an individual's financial health. Refinancing, by altering the loan agreements, can reduce the monthly outlays and the cumulative interest paid across the loan's term, potentially leading to long-term savings of thousands.

  • What is the difference between a second mortgage and refinancing a home loan in Murrieta?

    The primary distinction between refinance loans and second mortgages in Murrieta centers on their purposes. With refinancing, one replaces the current home loan with another loan. Conversely, a second mortgage provides homeowners the leeway to leverage their home's equity for diverse needs, such as large acquisitions or debt consolidation, while simultaneously settling both the main and secondary loan balances.

  • What benefits can a homeowner in Murrieta experience by refinancing with a renovation loan?

    A homeowner in Murrieta can increase the home's value, boost equity, reduce the loan-to-value ratio, and potentially sell at a higher price by refinancing with a renovation loan. High-return renovations include modest kitchen alterations, window upgrades, and garage door changes. Compared to cash-out refinancing, renovation loans often require less equity, allowing borrowing against the expected value after enhancements, but terms may differ among lenders.

  • How can Murrieta homeowners benefit from a no-cost jumbo refinance?

    Murrieta homeowners can benefit from a no-cost jumbo refinance by having all non-recurring closing costs, such as appraisal, notary, credit report, title, and escrow fees, covered by the lender. While this option may come with a slightly higher interest rate, it eliminates the one-time charges associated with refinancing. However, this option requires higher credit score standards, typically needing a minimum mid-score of 680, with some lenders requiring up to 720.

  • What advantages can be gained by Murrieta homeowners through a cash-out refinance?

    In Murrieta, a cash-out refinance enables homeowners to convert part of their home's equity into liquid assets without needing to tap into savings or personal loans. This can fund property updates or even a down payment on another residence. Additionally, the money can be utilized to invest in a rental property or a second home, thereby creating a new revenue stream without depleting existing financial reserves.

  • 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.