Best Mortgage Refinance Companies in Newport Beach

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Crystal Lending Group logo
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License Verified:

License: 1750175

Nationwide Multistate Licensing System and Registry

Crystal Lending Group

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

Business Description

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 (117)
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
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Kyle Dixon logo
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License Verified:

License: 2057582

Nationwide Multistate Licensing System and Registry

Kyle Dixon

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

Business Description

Kyle Dixon is a mortgage banker working with Crystal Lending Group. Dixon and his team help clients in Newport Beach with up-to-date property evaluations to help new homeowners choose loan options that fit their goals. He can help with conventional, jumbo, FHA, and VA loans. In addition, Dixon also helps with refinancing or the process of paying off an existing mortgage with a new one. This can be used for home improvement, debt consolidation, and other expenses.

License Verified:

License: 2057582

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 (6)
MD Financial logo
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License Verified:

License: 2051605

Nationwide Multistate Licensing System and Registry

MD Financial

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

Business Description

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
New American Lending logo
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License Verified:

License: 1906836

Nationwide Multistate Licensing System and Registry

New American Lending

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

Business Description

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 (13)
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
Responsiveness
Friendliness
Helpfulness
Detail
Pacific Coast Home Loans & Realty, Inc logo
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License: 303658

Nationwide Multistate Licensing System and Registry

Pacific Coast Home Loans & Realty, Inc

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

Business Description

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 (32)
Facebook
5.0 / 5 (26)
Google
4.8 / 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
Platinum Lending Solutions logo
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License Verified:

License: 365504

Nationwide Multistate Licensing System and Registry

Platinum Lending Solutions

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

Business Description

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 (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
Rancho Vista Mortgage logo
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License Verified:

License: 241748

Nationwide Multistate Licensing System and Registry

Rancho Vista Mortgage

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

Business Description

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 (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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Rippon Capital logo
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License Verified:

License: 2151284

Nationwide Multistate Licensing System and Registry

Rippon Capital

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

Business Description

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
Scott Way logo
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License Verified:

License: 287207

Nationwide Multistate Licensing System and Registry

Scott Way

2901 W. Coast Highway Suite 200, Newport Beach, CA 92663
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  • Reverse Mortgages

Business Description

Scott Way is a broker with Resource Financial Mortgage, serving residential customers in the Newport Beach community. He offers mortgage refinancing services to homeowners looking to take cash out from equity or get lower interest rates through a new financing structure. He also assists first-time, move-up, and investment home buyers. Way works with his clients to develop a loan program based on their unique concerns and helps them navigate the mortgage process to avoid red tape and common or inadvertent mistakes.

License Verified:

License: 287207

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 (26)
Google
5.0 / 5 (23)
Valley View Home Loans logo
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License Verified:

License: 192103

Nationwide Multistate Licensing System and Registry

Valley View Home Loans

4100 Birch St, Newport Beach, CA 92660
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  • Reverse Mortgages

Business Description

Valley View Home Loans provides Newport Beach residents with mortgage refinancing opportunities that aim to decrease monthly payments and lower interest rates. It also crafts home loan programs for property buyers. The company offers money loans for unexpected expenses or large purchases, as well as home equity loans that use the property as collateral. The business works to facilitate homeownership for individuals and helps them get approved by identifying their credit scores and checking their employment records.

License Verified:

License: 192103

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 (5)
Valoan-Streamline logo
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License Verified:

License: 174131

Nationwide Multistate Licensing System and Registry

Valoan-Streamline

1687 Topanga, Costa Mesa, CA 92627
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  • New Construction

Business Description

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.
4.4
Facebook
4.5 / 5 (8)
Google
4.0 / 5 (3)
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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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