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2024

Last updated:

Best Mortgage Refinance Companies in Oceanside

Our Recommended Top 13

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Oceanside Mortgage Refinance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

104Reviewed

67Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
701 Palomar Airport Road Suite 300, Carlsbad, CA 92011
  • New Construction
  • Reverse Mortgages

Why choose this provider?

America's Loan Advisors is a lending company that caters to clients in the Oceanside area and surrounding communities. It has mortgage refinancing in its portfolio, which comes highly recommended according to client testimonials raving about the firm's efficiency. America's Loan Advisors is a husband-and-wife team of Mortgage Loan Originators who have been in the industry for more than 30 years. It has a streamlined process in which clients can gain a cash buyer's transactional advantage. NMLS-registered, the firm is also an Equal Housing Opportunity Lender.

License Verified:

License: 1935776

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)

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

Why choose this provider?

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.

License Verified:

License: 1885084

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)

Website
2244 Faraday Avenue Suite 92, Carlsbad, CA 92008
  • Commercial Loans

Why choose this provider?

MH Loans is a full-service lending company that caters to clients in the Oceanside area and surrounding communities. It offers mortgage refinancing for in-park manufactured and mobile homes. Other services include escrow accounts maintenance, and manufactured homes construction and retailing. MH Loans has been in the industry for more than 25 years. Its mobile home financing solutions are also available to clients based in Texas and Florida. NMLS-registered, MH Loans is also a member of the California Escrow Association and the California Association of Realtors.

License Verified:

License: 296451

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
Facebook
4.8 / 5 (17)
Google
5.0 / 5 (15)

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
2173 Salk Ave. #250, Carlsbad, CA 92008
  • Reverse Mortgages

Why choose this provider?

RealMortgage is a brokerage firm that provides financial solutions to customers in the Oceanside community. It offers refinancing services to owners of single-family and multi-unit homes, townhouses, and condominiums. It assists customers looking to pay for their homes faster or get lower interest rates and monthly payment costs. Available loan options include jumbo, FHA, USDA, and HARP. RealMortgage is headed by Daniel Ramirez, a mortgage loan originator with over 20 years of experience in the finance industry. The firm is licensed in California, Colorado, and Texas.

License Verified:

License: 1612358

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 (57)
Facebook
5.0 / 5 (9)

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
701 Palomar Airport Rd #301, Carlsbad, CA 92011
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Rik Purpura operates under the Straight Forward Mortgage banner and offers various lending and refinancing options to residents of Oceanside. It arranges and replaces existing loans with new products that have favorable rates. The agent has reverse mortgages that are tailored toward senior citizens. It also has programs fit for first-time purchasers and experienced real estate investors. Rik Purpura is a senior consultant who offers a checklist on his website that educates clients on the basics of financing and home sales.

License Verified:

License: 1784175

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 (21)
Facebook
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
2103 S. El Camino Real #108, Oceanside, CA 92054
  • New Construction
  • Reverse Mortgages

Why choose this provider?

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.

License Verified:

License: 393510

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 (43)

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
––

Website
150 E Broadway, Vista, CA 92084
  • Reverse Mortgages

Why choose this provider?

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.

License Verified:

License: 68758

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
5.0 / 5 (52)
Yelp
3.5 / 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
2121 Palomar Airport Road Ste #150, Carlsbad, CA 92011
  • New Construction

Why choose this provider?

Bluefire Mortgage offers loan refinancing options to customers in Oceanside. The firm helps borrowers refinance their mortgage loans to pay off their mortgage faster, lower their monthly payments and interest rates, and remove or lower private mortgage insurance payments. Bluefire Mortgage is a small-scale residential mortgage lender located in Carlsbad. It aims to make sure that borrowers feel empowered throughout the loan process by giving weekly status updates and keeping all lines of communication open.

License Verified:

License: 323026

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 (129)
Yelp
4.5 / 5 (9)

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
––

Website
18301 Collier Ave #B, Lake Elsinore, CA 92530
  • Multi-Family Loans

Why choose this provider?

Maximum Real Estate Services offers refinancing solutions to the communities in Oceanside. Its loan professionals help borrowers refinance their homes by shopping for better rates and terms and comparing various options. They provide different loan programs, including VA, FHA, and privately funded products. Additionally, these professionals assist clients in assessing their finances and preparing documents. They have been serving the community for over 20 years. CEO and Realtor Christopher Rodriguez was one of NAHREP's top producers for 2013.

License Verified:

License: 1905575

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
Facebook
4.9 / 5 (22)
Google
4.5 / 5 (16)
Yelp
1.0 / 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
5860 Owens Ave., Carlsbad, CA 92008
  • Reverse Mortgages

Why choose this provider?

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.

License Verified:

License: 1945764

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
1902 Wright Place, Suite 200, Carlsbad, CA 92008
  • Reverse Mortgages

Why choose this provider?

America One Mortgage Group represents various lenders and banks, offering customers in Oceanside with loans that meet their needs and financial goals. It helps borrowers with existing mortgages find a loan with better terms, lower monthly repayments, and lower rates through its refinancing services. The agency provides clients with various loan options, such as FHA, VA, fixed-rate, and adjustable-rate loan products. It is certified by the NMLS and provides equal housing opportunities to all customers.

License Verified:

License: 79460

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 (17)
Google
5.0 / 5 (15)
Facebook
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
4167 Avenida De La Plata, Suite 104, Oceanside, CA 92056
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Eagle Nest Realty and Mortgage Inc. is a loan company serving the community of Oceanside. The company specializes in VA loans and also offers conventional, FHA, jumbo, and home improvement acquisition loan options. For refinance needs, the staff assists clients in applying for VA cash out and streamline loans. Other services include real estate acquisition, in which the professionals cater to both buyers and sellers. Its team has a combined 20 years of experience as loan brokers and Realtors in Southern California.

License Verified:

License: 324224

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 (42)
Yelp
5.0 / 5 (9)

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
1902 Wright Place, Ste 200, Carlsbad, CA 92008
  • New Construction

Why choose this provider?

Lineage Lending & Real Estate is a full-service company offering refinancing programs to the Oceanside community. Its team, composed of loan officers and real estate agents, helps homeowners refinance HARP 2.0 and Lineage FHA Streamline programs and non-agency loans. The team guides mortgage borrowers in completing refinancing transactions, starting from assessment and appraisal to financial awarding and closing. The company is managed by professionals with more than 75 years of experience and has completed over 20,000 transactions.

License Verified:

License: 1158884

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)
Yelp
5.0 / 5 (9)

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

FAQs

  • 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.
  • In Oceanside, is it possible to avoid mortgage insurance?

    It is possible to avoid mortgage insurance. Typically, if the lender's risk exceeds 80% of the purchase price or the assessed value or the program calls for little or no down payment, mortgage insurance is needed. To avoid this, individuals in Oceanside may utilize an 80/20 loan in which the first mortgage is 80% and the second mortgage is 20%. In this case, the borrower will pay a higher interest rate in exchange for the lender paying the mortgage insurance.

  • What are the most common reasons for refinancing a mortgage in Oceanside?

    Oceanside homeowners frequently refinance their mortgages to decrease their monthly payments, cut their current interest rates, and shorten the time it takes to pay off their loans. Additionally, some individuals utilize mortgage refinancing in order to withdraw cash, consolidate their debts, and reduce or eliminate the required private mortgage insurance payments.

  • What documents are typically needed for people in Oceanside who want to refinance their mortgage?

    It is ideal for Oceanside homeowners to have copies of their tax returns for the previous two years, the most recent rental agreements for those who own rental properties, and three of their most recent bank statements, including those for any mutual funds, IRA/401(k), or stock accounts, in order to speed up the loan refinancing process. Recent pay stubs, evidence of any additional income, such as tips or Social Security payments and recent mortgage notes are also beneficial.

  • How much does refinancing cost in Oceanside?

    Depending on the loan type and the lender, refinancing expenses in Oceanside might vary significantly, but in the state of California, it would typically be around $2,800 to $3,800. Do note that this is only a general breakdown of refinance costs; points or lender credits are not included. Also, you may pay more if you utilize refinancing to withdraw money from your equity.

  • What refinancing options are available in Oceanside?

    In Oceanside, homeowners can choose traditional mortgages wherein borrowers have the option of FHA refinancing or FHA streamline refinancing, both backed by the Federal Housing Administration. VA streamline refinancing is available for veterans. They can also choose a cash-out refinance, an FHA 203(k) refinance loan, or a USDA streamline refinance loan. Choosing the right option would depend on a person's financial objectives, their existing mortgage, and their circumstances.

  • 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.