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Best Mortgage Refinance Companies in Oceanside

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David Todd logo

David Todd

5860 Owens Ave., Carlsbad, CA 92008
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  • Reverse Mortgages

David Todd is a MortgageOne consultant and production manager who provides loaning and refinancing choices for clients in the Oceanside area. His client-centered approach involves close consultations that focus on decision-making involving an applicant's goals for refinancing, like home equity cash-outs. His selection of programs involves 15- and 30-year fixed mortgages, as well as 203k, HARP, and jumbo loan plans. He offers recommendations with varying terms and interest rates that are adjusted based on current property values and mortgage conditions in the local region.

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Great Rate Home Loans logo

Great Rate Home Loans

5810 El Camino Real, D, Carlsbad, CA 92008
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  • Reverse Mortgages

Great Rate Home Loans provides services to clients in Oceanside and its surrounding areas. It offers home mortgage refinancing to reduce interest rates, lower monthly amortization, or cash out from the client's home's equity. It also processes loans for home purchases. The company provides real-time rates from lenders to create a refinancing plan that fits the needs and financial capacity of the client. For the convenience of its customers, the company has made available an online loan application platform.

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Home Mortgage Experts logo

Home Mortgage Experts

2103 S. El Camino Real #108, Oceanside, CA 92054
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  • New Construction
  • Reverse Mortgages

Since 2009, Home Mortgage Experts has been assisting Oceanside locals in finding, applying for, and refinancing various mortgage options. The family-owned company primarily offers VA loans, but also helps clients acquire standard and government-backed lending options like FHA loans and reverse mortgages. Homeowners with existing mortgages can submit an online form with their details and mortgage goals to allow the company's staff to tailor a refinancing solution according to their specifications. These refinancing solutions range from debt consolidation loans to cash-out refinances.

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The Willson Team logo

The Willson Team

150 E Broadway, Vista, CA 92084
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  • Reverse Mortgages

The Wilson Team serves the mortgage needs of families and individuals in the Oceanside area and nearby metros. It provides refinancing solutions to help investors and first- and second-time homebuyers proceed with acquiring their dream properties. The agency guides clients throughout the loan process and offers a variety of mortgage programs, such as FHA, VA, jumbo, and adjustable-rate and fixed-rate conventional loans. Branch manager Jeffrey Willson has been working with borrowers for more than 15 years.

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Frequently Asked Questions

Q: What should you expect when refinancing a mortgage?

A: 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.

Q: How often should you refinance your mortgage?

A: 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.

Q: Can you refinance a first mortgage and not a second?

A: 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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