Expertise.com

2024

Last updated:

Best Mortgage Refinance Companies in Orange

Our Recommended Top 5

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 Orange 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.

78Reviewed

48Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1100 Town and Country Road, Orange, CA 92868
WebsiteLicense: 965211

Expertise.com Rating

Review Sources

Yelp
5.0 (30)

Why choose this provider?

Coastal Pacific Lending Inc. is a group of mortgage specialists in Orange that has been in service since 2012. It offers refinancing options for owners of single and multi-family homes, townhomes, condominiums, and manufactured residences. Furthermore, its team helps homebuyers obtain mortgages such as FHA and VA loans. The family-run business operates a streamlined process, allowing loan requests to be realized within 30 days. Coastal Pacific Lending is committed to furnishing financing packages according to clients' unique needs and situations.

  • NMLS #: 39166

171 South Anita Drive, Orange, CA 92868
WebsiteLicense: 1132440

Expertise.com Rating

Review Sources

Yelp
5.0 (11)
Facebook
5.0 (6)

Why choose this provider?

Based in Orange, One True Loan is a residential mortgage company that serves multiple states. It assists clients in refinancing their existing mortgages for benefits such as lower interest rates, reduced mortgage terms, and cash-outs on home equity. It also helps with switching from adjustable-rate loans to fixed-rate loans and removing private mortgage insurance from loans. One True Loan also offers the Flex Term program for clients looking to customize their mortgages and select their own amortization terms.

  • NMLS #: 39166

230 Commerce, Irvine, CA 92602
WebsiteLicense: 2611

Expertise.com Rating

Review Sources

Yelp
4.0 (733)

Why choose this provider?

The Owning Corporation caters to homeowners in Orange and its surrounding areas. Its lending agents help clients find suitable loan programs for conventional loans, either in 15- or 30-year fixed-rate terms. They also examine existing loan plans to offer different refinancing options and rates. In addition, the company specializes in handling both its customers' mortgage needs and real estate concerns. Its agents help first-time buyers and new home buyers in finding a fitting residential property and a mortgage plan to match it.

  • NMLS #: 39166

2200 West Orangewood Avenue, Orange, CA 92868
WebsiteLicense: 70377

Expertise.com Rating

Review Sources

Yelp
3.5 (22)
Facebook
5.0 (2)

Why choose this provider?

Essex Mortgage is a mortgage refinance company with branches in various locations nationwide, including Orange. It has been assisting clients with their financial needs since 1986. It aims to help clients achieve reduced monthly mortgage payments and long-term interest. The company offers assistance in getting high-balance, VA, FHA, and conventional mortgage loans. Its team of mortgage professionals is committed to helping clients with less than perfect credit scores acquire a loan. They also work with clients who want to purchase a new house.

  • NMLS #: 39166

625 The City Dr S Ste 400, Orange, CA 92868
WebsiteLicense: 1387935

Expertise.com Rating

Review Sources

Google
4.5 (84)
Yelp
3.5 (33)
Facebook
4.5 (26)

Why choose this provider?

Sharp Loan is a mortgage refinance company in Orange County that works with a variety of loan lenders who serve customers with good and not-so-good credit. Its loan specialists can help homeowners reduce their interest rate and lower monthly payments on their primary residence with a range of refinancing programs. Mortgage terms can range from 10 to 30 years, with adjustable rates from one to five years. The company's website provides a useful refinancing calculator tool.

  • NMLS #: 39166

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.
  • Can people in Orange purchase homes with little down payment?

    Yes, there are different loan options that offer homebuyers in Orange little to no down payment. However, people seeking a home loan with less than a 20% down payment are required to have private mortgage insurance to protect lenders from losing their money in the event that borrowers are unable to pay.

  • What kinds of borrowers in Orange should choose adjustable-rate and fixed-rate mortgage loans?

    Borrowers in Orange who are seeking payment stability and planning to stay in their homes long-term should choose a fixed-rate mortgage. People who are prioritizing a lower initial rate to have a lower monthly payment should select an adjustable-rate mortgage. An ARM is also a better option for those who are likely to refinance within the first 10 years or move to another residence.

  • What factors should clients in Orange consider when refinancing a mortgage?

    People seeking to refinance a mortgage in Orange should take note of the current interest rate to help them save money. They should consider refinancing if credit scores from their original mortgage have improved or if they have paid down enough balance on their jumbo loans, which will enable them to qualify for lower interest rates. If borrowers do not intend to live in their homes for at least two years, they should avoid refinancing.

  • Who may qualify for an FHA loan in Orange?

    People with low to moderate household incomes, limited savings, or low credit scores and first-time homebuyers in Orange may qualify for an FHA loan. An FHA loan is a type of mortgage that requires a lower-than usual minimum credit score or down payment and is insured by the Federal Housing Administration.

  • How do people in Orange get pre-approved for a mortgage refinance?

    To get pre-approved for a refinance, borrowers in Orange should gather income documents, such as pay stubs and tax returns, and information about their total amount of monthly obligations. They should also keep their most recent mortgage statements, which include information about the current payment amount, interest rate changes, and principal balance. Mortgage refinance advisors will analyze clients’ financials to determine if they qualify for pre-approval.

  • 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.