Best Mortgage Refinance Companies in San Diego

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Agave Home Loans logo
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License Verified:

License: 1951574

Nationwide Multistate Licensing System and Registry

Agave Home Loans

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

Business Description

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.

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 (597)
Facebook
5.0 / 5 (91)
Yelp
5.0 / 5 (6)

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
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Agave Home Loans

America's Local Lender logo
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License: 1569058

Nationwide Multistate Licensing System and Registry

America's Local Lender

4538 Cass Street, San Diego, CA 92109
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  • Reverse Mortgages
  • NMLS #: 39166

Business Description

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.

License Verified:

License: 1569058

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
4.9 / 5 (54)

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
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America's Local Lender

Community Mortgage logo
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License Verified:

License: 908271

Nationwide Multistate Licensing System and Registry

Community Mortgage

814 Morena Boulevard, San Diego, CA 92110
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  • Reverse Mortgages
  • NMLS #: 39166

Business Description

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.

License Verified:

License: 908271

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 (110)
Yelp
5.0 / 5 (41)
Facebook
5.0 / 5 (16)

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
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Community Mortgage

First Liberty Funding Corporation logo
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License Verified:

License: 305360

Nationwide Multistate Licensing System and Registry

First Liberty Funding Corporation

1940 Garnet Avenue, San Diego, CA 92109
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  • Reverse Mortgages
  • NMLS #: 39166

Business Description

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.

License Verified:

License: 305360

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 (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.
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First Liberty Funding Corporation

Gaylord Hansen Mortgage Team - San Diego, CA logo
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License Verified:

License: 174457

Nationwide Multistate Licensing System and Registry

Gaylord Hansen Mortgage Team - San Diego, CA

5015 Shoreham Place, San Diego, CA 92122
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  • Reverse Mortgages
  • NMLS #: 39166

Business Description

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.

License Verified:

License: 174457

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 (71)
Facebook
4.9 / 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.
4.0
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––
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Gaylord Hansen Mortgage Team - San Diego, CA

Ideal Lending logo
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Ideal Lending

1455 Frazee Road, San Diego, CA 92108
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Business Description

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.

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.
5.0
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Ideal Lending

NOVA Home Loans - San Diego logo
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License Verified:

License: 3087

Nationwide Multistate Licensing System and Registry

NOVA Home Loans - San Diego

9255 Towne Centre Drive, San Diego, CA 92121
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  • Reverse Mortgages
  • NMLS #: 39166

Business Description

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.

License Verified:

License: 3087

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.
4.8
Google
5.0 / 5 (85)
Facebook
4.4 / 5 (34)
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NOVA Home Loans - San Diego

Prospect Home Finance logo
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License Verified:

License: 365482

Nationwide Multistate Licensing System and Registry

Prospect Home Finance

7825 fay avenue suite 160, La Jolla, CA 92037
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  • Home Purchase
  • Cash-out Refinance
  • Refinance

Business Description

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

License Verified:

License: 365482

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.
4.8
Google
4.7 / 5 (422)
Yelp
4.0 / 5 (328)

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
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Prospect Home Finance

ShubhMortgage logo
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License Verified:

License: 1972303

Nationwide Multistate Licensing System and Registry

ShubhMortgage

12707 High Bluff Drive, San Diego, CA 92130
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  • Residential

Business Description

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.

License Verified:

License: 1972303

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
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ShubhMortgage

West Coast Mortgage Group - San Diego logo
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License Verified:

License: 5084

Nationwide Multistate Licensing System and Registry

West Coast Mortgage Group - San Diego

3500 Fifth Avenue, San Diego, CA 92103
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  • Reverse Mortgages
  • NMLS #: 39166

Business Description

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.

License Verified:

License: 5084

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 (8)
Facebook
4.8 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Visit Website

West Coast Mortgage Group - San Diego

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Frequently Asked Questions

What should you expect when refinancing a mortgage?

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.

How often should you refinance your mortgage?

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.

Can you refinance a first mortgage and not a second?

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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