Laurels

Best Mortgage Refinance Companies in San Diego
2022

Prospect Home Finance

Prospect Home FinanceFEATURED
Expertise.com

  • Multi-Family Loans
  • New Construction
  • Reverse Mortgages

Prospect Home Finance is a mortgage refinancing company that caters to clients in San Diego and its surrounding areas. It provides refinancing services to a variety of real estate properties such as single-detached residences, townhouses, and single-unit apartments. The company's loan officers assess each client's needs and assist them in exploring various options to find a suitable mortgage plan that meets their requirements. Prospect Home Finance has received several accolades from reputable publications and websites such as Scotsman and Kudzu.com

7825 fay avenue suite 160
La Jolla, CA 92037

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Reputation: A+

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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.

Online Profiles:

3 (Best)

Average Review Score:

4.4 / 5 ( Best)

Total Reviews:

762 (Best)

Score Consistency:

Consistent (Best)

Professionalism: A+

More Info

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

Agave Home Loans

Agave Home LoansFEATURED
Expertise.com

  • Reverse Mortgages

Agave Home Loans helps clients in San Diego with their mortgage refinancing needs. This independent company assists them in achieving their financial objectives—remodeling their kitchen, paying off higher interest debts, or paying for college tuition—by converting existing equity to cash. Its staff members also negotiate on their clients’ behalf for the best possible terms. Co-owner Doug Wang has over seven years of experience in the mortgage industry. He guides his team in educating clients about the processes to help them make informed decisions.

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

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Reputation: A+

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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.

Online Profiles:

4 (Best)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

609 (Best)

Score Consistency:

Consistent (Best)

Professionalism: A+

More Info

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

America's Local Lender

America's Local Lender

  • NMLS #: 39166
  • Reverse Mortgages

America's Local Lender is a mortgage company that provides refinancing programs for clients in San Diego. Specializing in jumbo lending and investment properties, it prepares personalized solutions, such as conforming, jumbo, FHA, and VA loans. In 2018, America's Local Lender received the Customer Service Star award from the San Diego Chamber of Commerce. Its president, Patrick Gilmore, founded the company in 2016 and has held executive management positions at companies like Fannie Mae and Goldman Sachs.

4538 Cass Street
San Diego, CA 92109

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Reputation: A+

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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.

Online Profiles:

2 (Better)

Average Review Score:

4.9 / 5 ( Best)

Total Reviews:

55 (Best)

Score Consistency:

Consistent (Best)

Community Mortgage

Community Mortgage

  • NMLS #: 39166
  • Reverse Mortgages

San Diego-based Community Mortgage provides refinancing loans to its clients. It assists individuals who are planning to lower their monthly payments by moving from an adjustable-rate mortgage to a fixed-rate one. Community Mortgage also guides its customers toward refinancing programs that can resolve their external credit problems by redirecting cash to credit cards. In addition, it refinances standard mortgage loans, including conventional, FHA-insured, VA, jumbo, reverse, and super conforming loans.

814 Morena Boulevard
San Diego, CA 92110

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Reputation: A+

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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.

Online Profiles:

3 (Best)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

167 (Best)

Score Consistency:

Consistent (Best)

Professionalism: A+

More Info

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

First Liberty Funding Corporation

First Liberty Funding Corporation

  • NMLS #: 39166
  • Reverse Mortgages

First Liberty Funding Corporation is a mortgage refinance company serving San Diego residents and the surrounding areas. The company offers loan options to clients who are looking to purchase a new home, refinance an outstanding loan, purchase an investment property, or consolidate existing debt. The loan options available include FHA, VA, USDA, rehab, and jumbo loans. The firm also has fixed-rate mortgages. Programs that allow alternative documentation for foreign nationals are also available.

1940 Garnet Avenue
San Diego, CA 92109

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Reputation: A+

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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.

Online Profiles:

2 (Better)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

20 (Better)

Score Consistency:

Consistent (Best)

Professionalism: A+

More Info

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

Gaylord Hansen Mortgage Team - San Diego, CA

Gaylord Hansen Mortgage Team - San Diego, CA

  • NMLS #: 39166
  • Reverse Mortgages

Gaylord Hansen Mortgage Team - San Diego, CA aims to simplify the mortgage process for clients through personalized financial solutions. With a decade of experience in the industry, these professionals assist clients looking to refinance their homes. They conduct consultation through phone, video, or in-person to determine the client's goals. They help clients compare different mortgage options and manage the process from pre-approval to closing. The Gaylord Hansen Mortgage Team also specializes in helping first-time homebuyers and veterans.

5015 Shoreham Place
San Diego, CA 92122

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Reputation: A+

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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.

Online Profiles:

2 (Better)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

83 (Best)

Score Consistency:

Consistent (Best)

Professionalism: A

More Info

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: --

Ideal Lending

Ideal Lending

Ideal Lending handles mortgage matters in the San Diego metro. Ivan Lanz, its advisor, guides individuals in processing and qualifying for their preferred mortgage rates. He shops the insurance market on behalf of his clients and provides them with the necessary information to secure mortgages that match their needs. He can also help in refinancing properties. Clients are advised on when is the proper time to refinance their assets. Ideal Lending caters to first-time buyers, investors, move-up purchasers, and seniors seeking reverse mortgages.

1455 Frazee Road
San Diego, CA 92108

Website

Reputation: A+

More Info

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.

Online Profiles:

3 (Best)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

52 (Best)

Score Consistency:

Consistent (Best)

Mission Federal Credit Union

Mission Federal Credit Union

  • Reverse Mortgages

Mission Federal Credit Union provides services for home mortgage refinance in San Diego and offers the services of mortgage lenders who assist clients in ascertaining and pursuing their goals when finalizing mortgage agreements. This credit union provides applications that help clients determine whether they qualify for refinance and other loan programs and plan for financial impacts based on calculations concerning their income and other factors. Beyond refinance agreements, Mission Federal Credit Union also offers several other types of mortgages, including competitive fixed-and adjustable-rate mortgages, jumbo loans, and commercial real estate loans. Credit union home loans and home equity loans are also available.

PO Box 919023
San Diego, CA 92191

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NOVA Home Loans - San Diego

NOVA Home Loans - San Diego

  • NMLS #: 39166
  • Reverse Mortgages

NOVA Home Loans is a mortgage refinance company serving clients in San Diego, founded by Ray Desmond, who has been working in the mortgage industry since 1980. The company offers several loan programs, including adjustable-rate (ARM), FHA, fixed-rate, jumbo, reverse mortgage, USDA, and VA loans. The also provide down payment assistance. Its team of loan officers guide clients to determine the right loan program. NOVA Home Loans is a sponsor of Boys and Girls Club of America.

9255 Towne Centre Drive
San Diego, CA 92121

Website

Reputation: A+

More Info

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.

Online Profiles:

3 (Best)

Average Review Score:

4.8 / 5 ( Best)

Total Reviews:

134 (Best)

Score Consistency:

Consistent (Best)

OneWest Bank

OneWest Bank

  • Reverse Mortgages

OneWest Bank is active throughout the San Diego metro area and helps homeowners complete application processes for mortgage refinancing agreements. This bank offers varied refinance options intended to serve clients with different needs. These refinancing options include both fixed- and adjustable-rate mortgages with interest-only and fully amortized term agreements. It also offers cross-collateralization and asset dissipation-based underwriting. OneWest Bank offers jumbo loans, too, for agreements up to $5 million in value. Its fixed-rate mortgages can be acquired with several options for repayment terms ranging from 10 to 30 years. Special FHA offers are available as well to clients who qualify.

888 Prospect St Ste 140
La Jolla, CA 92037

Website

ShubhMortgage

ShubhMortgage

  • Residential

Shubh Mortgage is a brokerage firm that serves the San Diego metro area and surrounding localities. Through mortgage refinancing, the firm assists homeowners in lowering their monthly payments, shortening their mortgage term, or paying off their mortgage entirely. Its mortgage consultants work with a variety of lenders to find the right refinance solution for their clients' specific financial needs. The company also delivers home purchase loans for first-time and repeat homebuyers. The agency has been operating since 2007.

12707 High Bluff Drive
San Diego, CA 92130

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Reputation: A+

More Info

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.

Online Profiles:

1 (Good)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

39 (Best)

Score Consistency:

Consistent (Best)

Professionalism: A+

More Info

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

VA Home Loans San Diego CA - VA Mortgage California- VA Refinance Loans

VA Home Loans San Diego CA - VA Mortgage California- VA Refinance Loans

  • Reverse Mortgages

Headquartered in San Diego, VA Home Loans is a mortgage broker that helps homeowners replace their current loans to cut down interest rates, reduce monthly payments, and optimize home equity. The company also seeks to assist lenders that need to quicken their loan payments, transition to a fixed-rate loan, and cancel Federal Housing Administration-based mortgage insurance. VA Home Loans' loan experts guide lenders throughout the refinancing process from home value estimation to closing a refinance.

1157 Fifth Avenue
San Diego, CA 92101

Website

West Coast Mortgage Group - San Diego

West Coast Mortgage Group - San Diego

  • NMLS #: 39166
  • Reverse Mortgages

West Coast Mortgage Group offers mortgage refinance solutions in San Diego. This company seeks to provide a simplified lending process to homebuyers. Its mortgage brokers help clients understand various loan options such as FHA, jumbo, conventional, and USDA loans and aid in selecting appropriate products. They also assist in reverse mortgages, converting a portion of home equity to address cash needs. West Coast Mortgage Group is also a current member of the Mortgage Bankers Association.

3500 Fifth Avenue
San Diego, CA 92103

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Reputation: A+

More Info

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.

Online Profiles:

3 (Best)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

24 (Better)

Score Consistency:

Consistent (Best)

Professionalism: A+

More Info

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

Price: 2500 dollars in 3rd party fees

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