Expertise.com

Best Mortgage Refinance Companies in Oxnard

2024

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Providers

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Website
5740 Ralston Street #300, Ventura, CA 93003
  • NMLS #: 39166

Why choose this provider?

CSMC Mortgage is a mortgage broker serving homeowners in Oxnard. The company offers a selection of loan products from a number of trusted sources. Its expert team of mortgage specialists helps customers to find new loans with lower interest rates and shorter maturity options. Furthermore, it offers home equity financing for customers who wish to borrow against the value of their property. CSMC Mortgage issues conventional mortgages, jumbo mortgages, FHA loans, and VA loans.

License Verified:

License: 1570216

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.
4.5
Yelp
4.0 / 5 (22)
Facebook
5.0 / 5 (20)
Google
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
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Website
2775 North Ventura Road, Oxnard, CA 93036
  • NMLS #: 39166

Why choose this provider?

Carl Harrison - Gem Mortgage performs mortgage refinance services for homeowners throughout the Oxnard metro area. This mortgage company does purchase, rate, and term refinance, and it offers several cash-out refinance programs to clients desiring money from equity. It also offers several different purchase loans including adjustable-rate mortgages, Fannie Mae conventional loans, jumbo loans, and investor and portfolio products. Of course, FHA and VA loans are available too, along with USDA mortgage programs.

License Verified:

License: 51215

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
3230 East Broadway Road Suite B-220, Phoenix, AZ 85040
  • Reverse Mortgages

Why choose this provider?

Agave Home Loans helps clients in Oxnard in refinancing their mortgages. It offers different types of mortgage options, including VA, FHA, conventional, and non-qualifying loans. Its mortgage experts guide clients in navigating the loan application process and help them achieve their financial goals. Doug Wang, the firm's COO, has been in the mortgage industry for seven years. The CEO, Marshall Gottlieb, came from the hospitality and restaurant industry before shifting to real estate and lending.

License Verified:

License: 1951574

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 (875)
Facebook
4.9 / 5 (151)
Yelp
5.0 / 5 (11)

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
4165 E. Thousand Oaks Boulevard, Westlake Village, CA 91362
  • NMLS #: 39166

Why choose this provider?

Community First Mortgage is a family-owned mortgage refinance company that serves clients in Oxnard. The firm originally specialized in home purchase loans since its establishment in 1986 and handled subdivisions for Southern California builders. Community First Mortgage then decided to offer mortgage refinancing when its clients started to move or refinance. The company is owned by Valerie Mitchell and Mike Mitchell, Sr. In a span of more than 30 years, Valerie has funded over a billion dollars in loans.

License Verified:

License: 355370

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 (36)
Facebook
5.0 / 5 (14)

Website
300 East Esplanade Drive, Oxnard, CA 93036
  • NMLS #: 39166

Why choose this provider?

Westchester Financial has been providing home and commercial loan services to clients in Oxnard since 1991. Its team of mortgage advisors helps homeowners and homebuyers understand various loan options and reduce their interest rates and repayment schedules. The company issues a custom loan program proposal after reviewing client qualifications, goals, and borrowing opportunities. Cash-out services are also available for clients who wish to borrow against the value of their property. Westchester Financial provides a straightforward application process.

License Verified:

License: 393253

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

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.
  • Can people refinance if they have a second mortgage on their homes in Oxnard?

    Yes, second mortgages are typically paid off through refinancing, and mortgage companies can consolidate both loans into a new one, resulting in a single payment each month. However, through a process called subordination, they may ask the second lender to remain in position if clients prefer to keep the mortgage while refinancing the first loan.

  • What should Oxnard homeowners consider when comparing mortgage rates?

    Oxnard homeowners should compare mortgage rates from different lenders on the same day since rates constantly change. They should ask for the lowest rate with no points for any particular loan product and inquire if lenders charge processing fees. Also, they should ask if lenders offer credits toward closing costs.

  • Can clients in Oxnard obtain a second VA home loan?

    Yes, veterans, their eligible surviving spouses, and active-duty service members in Oxnard are eligible for a VA home loan more than once. They must purchase a home with a VA loan and sell the property to buy another with a new loan. To be eligible for a second VA loan, they must also refinance an existing one into another. Do note that homeowners can have VA loans for two different properties at the same time.

  • When should homeowners in Oxnard avoid refinancing home loans?

    People in Oxnard should avoid refinancing if they are moving in the next six months, unless their current home loan interest rates are low. Homeowners who are currently remodeling their properties should also wait until the projects are done before they apply for refinancing. If borrowers have less than 10 years to pay off their mortgage, they should not refinance their homes unless they need to cash out or the interest rates are lower than what they currently have.

  • What is a “piggyback” loan?

    People in Oxnard looking to purchase their first homes can use a “piggyback” loan, which offers lower down and total monthly payments. This type includes one loan for the majority of clients’ borrowed amount and a second that covers the remaining amount. There are also no monthly private mortgage insurance costs.

  • 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.