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Best Mortgage Refinance Companies in Newport Beach

2024

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Providers

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Website
2901 West Coast Hwy Suite 200, Newport Beach, CA 92663
  • New Construction

Why choose this provider?

Crystal Lending Group carries more than 15 years of experience in the mortgage industry. It offers mortgage refinancing services to help homeowners in the Newport Beach area lower their monthly rates, take cash out from the equity of their properties, or consolidate debts. It also provides various lending options for people who wish to buy a house such as fixed-rate mortgages, FHA, VA, and jumbo loans. The company's team members assist clients through every step of the loan process, from pre-approval to closing.

License Verified:

License: 1750175

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 (120)
Yelp
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

Website
895 Dove St, Newport Beach, CA 92660
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Pacific Coast Home Loans & Realty, Inc. has been serving the residents of Newport Beach and its surrounding communities since 2002. It helps homeowners lower their interest rates and monthly payments or withdraw cash from the equity in their homes through mortgage refinancing. Its team members work with different lenders to assist clients in securing the loan program that matches their needs, whether it is an adjustable-rate, 30-, 20-, or 15-year fixed-rate mortgage. One customer praised the company's staff for responding to their emails within minutes.

License Verified:

License: 303658

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
Yelp
5.0 / 5 (33)
Facebook
4.9 / 5 (26)
Google
4.8 / 5 (17)

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
8581 Santa Monica Blvd Ste 707, West Hollywood, CA 90069
  • New Construction

Why choose this provider?

New American Lending is a mortgage company in Newport Beach that serves homeowners throughout the local area. It offers customers different types of loan programs, which include home purchase loans and refinance. It deals with conventional, FHA, USDA, and jumbo loans. Its team of mortgage professionals, which consists of loan officers, processing managers, and realtors, has experience handling refinance options for single-family homes, townhouses, condominiums, and multi-family properties. Sam Pabuwal has been operating New American Lending since 2004.

License Verified:

License: 1906836

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)

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
2901 West Coast Hwy #254, Newport Beach, CA 92663
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Since its inception in 2003, Rancho Vista Mortgage has worked to revolutionize the mortgage industry by providing individuals with mortgage loans, refinancing products, and financial strategies. This Newport Beach-based brokerage firm assists homeowners in navigating various loan programs, shopping for interest rates from a variety of lenders across the country, and guiding clients in selecting a plan that meets their specific needs. The company employs a lending team with more than 30 years of combined mortgage experience.

License Verified:

License: 241748

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.
3.9
Google
3.8 / 5 (10)
Yelp
4.0 / 5 (8)

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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Website
3198 F Airport Loop Dr., Costa Mesa, CA 92626
  • Reverse Mortgages

Why choose this provider?

Scott English is a mortgage broker under United American Mortgage Corporation, representing over 60 banks and offering refinancing solutions to homeowners in Newport Beach. He offer FHA Mortgage Loans, Home Equity Loans,He Purcahse Money, Refinace Loans, Forign National Mortgage. He focuses on helping mortgage borrowers with their refinancing needs in situations such as divorce, application for reverse mortgages, and securing loans using ITIN cards as an immigrant. Additionally, the agent creates refinancing strategies for clients who have less-than-perfect credit or inconsistent income. English has been in the mortgage industry since 2000 and has a degree in real estate finance and entrepreneurship.

License Verified:

License: 133064

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 (8)

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
1687 Topanga, Costa Mesa, CA 92627
  • New Construction

Why choose this provider?

VALOAN-Streamline is a local mortgage brokerage that primarily focuses on US veterans in and around Newport Beach. It offers different refinancing options for veterans, active service members, spouses, and other accepted beneficiaries, handling applications for VA, conventional, and FHA loans. It also processes various loans for purchasing purposes. VALOAN-Streamline is a division of Williams Financial, Inc., a mortgage brokerage firm that has been in the business since 2008. The firm's team provides 24/7 customer service.

License Verified:

License: 174131

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
4.5 / 5 (8)
Google
3.5 / 5 (2)

Website
4590 Macarthur Boulevard, Suite 500, Newport Beach, CA 92660
  • Commercial Loans

Why choose this provider?

Justin Beres is the branch manager at Nexa Mortgage who offers refinancing to homeowners in Newport Beach. He aids clients who want reduced monthly payments and loan terms and those who seek cash from equity. The agent helps borrowers choose the best program for their needs with the use of an analysis tool that lets them compare options based on their criteria. FHA, VA, jumbo, FRMs, and ARMs are also available. Beres works with over 140 lenders at Nexa Mortgage to get the best rates.

License Verified:

License: 1940389

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
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
2901 West Coast Hwy, Ste 272-273, Newport Beach, CA 92663
  • Commercial Loans
  • New Construction

Why choose this provider?

Platinum Lending Solutions serves clients in Newport Beach and the neighboring areas. It offers mortgage solutions for home refinances, purchases, improvements, and investments. It guides clients in navigating mortgage refinancing products and understanding the different mortgage options suited to them. Its team of mortgage planners also helps clients structure their refinancing transactions and recommends ways to correct credit report errors to improve their credit scores and obtain favorable loan terms. Robert Bobby Darvish, the company's CEO, is a certified mortgage planner.

License Verified:

License: 365504

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 (3)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2901 W Coast Hwy. Suite 200, Newport Beach, CA 92663
  • New Construction

Why choose this provider?

Rippon Capital is a Newport Beach-based mortgage brokerage firm. It helps homebuyers, owners, and investors seeking to refinance their properties by crafting personalized solutions that suit their financial circumstances, goals, lifestyles, and needs. The company has access to hundreds of wholesale lenders, enabling borrowers to obtain financing options that fit their scenarios. Mortgage loan originator Ryan Rippon is a real estate broker and investor who utilizes his insider knowledge of the home loan industry to assist his clients.

License Verified:

License: 2151284

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 (17)

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
5000 Birch St, West Tower, Suite 3000, Newport Beach, CA 92660
  • New Construction
  • Reverse Mortgages

Why choose this provider?

MD Financial serves clients across Newport Beach and the neighboring areas. It caters to homeowners needing assistance with applying for mortgage refinancing services, which help reduce their monthly payments and lower their rates. Its team of loan officers guides home buyers in obtaining loans appropriate to their financial goals, including FHA, conventional, jumbo, and VA. Reverse mortgage loan programs for individuals aged 62 and older are also available. MD Financial provides non-qualifying mortgages for borrowers using bank statements to verify their income.

License Verified:

License: 2051605

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 (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

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.
  • Is a mortgage pre-approval required before one can purchase a house in Newport Beach?

    No, but having one can work in your favor. A mortgage pre-approval letter tells real estate agents and sellers in Newport Beach that you have the funds and earning capability to purchase a house. As a result, they will be more eager to look into your offer because they have peace of mind that a lender is backing you up.

  • What is the difference between mortgage pre-approval and mortgage pre-qualification in Newport Beach?

    In Newport Beach, mortgage pre-approval and mortgage pre-qualification are types of mortgage approval. However, the main difference lies in the processes involved. In a pre-approval process, the mortgage lender conducts a comprehensive assessment of your financial information, which may involve getting details on your income, savings, and existing debt. Meanwhile, mortgage pre-qualification is much simpler and only provides a general estimate of what you can borrow from a lender.

  • What are the benefits of refinancing a home loan in Newport Beach?

    Mortgage refinancing allows you to replace your existing loan with another one that has a lower interest rate or more flexible payment terms. You can also change or cancel your private mortgage insurance in Newport Beach. Therefore, you will be able to save more money, pay off your loan faster, and build home equity.

  • What factors affect the rise and fall of mortgage rates in Newport Beach?

    Mortgage rates in Newport Beach change depending on market demands. When there is high demand for loans, interest rates rise to take advantage of the active market. Meanwhile, if there is a low demand for mortgages, interest rates will decline to entice customers. Inflation also has a significant impact on mortgage rates. When the prices of goods spike, so do real estate costs, including mortgages. The Federal Reserve influences interest rates too. When government yields increase, so do loan rates, and vice versa.

  • What is equity stripping in Newport Beach?

    Equity stripping involves reducing the overall equity in a property. Some people might consider it an asset protection strategy because it permits the distribution of asset interests to various parties. However, it can be a predatory lending practice in Newport Beach because it reduces the owner's claim to ownership. A common scenario is that a real estate investor buys the equity in the property and then leases the house back to the owner.

  • 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.