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Best Mortgage Refinance Companies in San Diego

2024

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Providers

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

Why choose this provider?

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
Google
5.0 / 5 (39)

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

Why choose this provider?

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)
Yelp
4.5 / 5 (15)

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

Why choose this provider?

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)
Yelp
5.0 / 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
814 Morena Boulevard, San Diego, CA 92110
  • Reverse Mortgages
  • NMLS #: 39166

Why choose this provider?

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
Responsiveness
Friendliness
Helpfulness
Detail

Website
1455 Frazee Road, San Diego, CA 92108
  • Alternative Income Documentation Loans
  • Reverse Mortgages

Why choose this provider?

Ideal Lending handles refinancing and mortgage matters in San Diego and nearby areas. Ivan Lanz, the company's agent, is a certified mortgage advisor and guides individuals with his certified personal mortgage analysis. This gets borrowers just terms for their needs. The firm also helps first-time buyers make the proper financial decisions by using an educational approach to refinancing for them to lower their payment, pay off high credit debts, and many other opportunities to leverage money and create wealth. Lanz’s service model has made him a top ranked mortgage originator nationally.

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)
Facebook
5.0 / 5 (5)
Yelp
5.0 / 5 (4)

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 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
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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
Google
5.0 / 5 (15)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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
Yelp
5.0 / 5 (14)
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

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

Why choose this provider?

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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.
4.6
Google
4.7 / 5 (395)
Yelp
4.2 / 5 (330)
Facebook
4.9 / 5 (188)

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
11440 W Bernardo Ct Suite 300, San Diego, CA 92127
  • Commercial
  • Reverse
  • HELOCs
  • Refinance
  • Purchase

Why choose this provider?

Equis Mortgage Group has ready refinancing options for clients in Escondido and surrounding areas. This includes cash-out plans, debt consolidation, cancellation of insurance, rate updates, and fund rerouting. Its mortgage brokers and Realtors also handle the rest of the home selling/buying cycle. Programs like reverse mortgages and jumbo loans are also available. Equis Mortgage Group, which is NMLS-registered, is also doing business in Florida and Texas.  Its website also has a property listing and home valuation tool that visitors can access.

License Verified:

License: 2009443

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 (4)

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.
  • When is a good time to refinance your mortgage in San Diego?

    Refinancing your mortgage in San Diego is a smart move when market interest rates are lower than they were when you first bought your house. A refinance may also be advantageous for your financial objectives if rates in the town or neighborhood have increased and you believe your house has increased in value.

  • What elements impact how long the refinancing procedure takes in San Diego?

    Since a refinance in San Diego replaces your present loan, the timetable can change based on a few variables, such as the involvement of outside parties, the specifics of your financial condition, and how swiftly you work with your lender. By gathering the necessary paperwork in advance and making minor repairs to your house before the appraisal, you can hasten the refinance process.

  • In San Diego, how much does it cost to refinance a house?

    It depends. Title search, insurance, land survey fees, appraisal fees, points to lower the interest rate, recording fees, processing fees, attorney's fees, and loan closing charges are some of the expenses related to refinancing a home in San Diego. Closing expenses range from 2% to 5% of the value of the home, depending on the city. Homeowners can frequently include their closing fees in the new mortgage; however, doing so will raise the loan balance.

  • What are the main criteria that San Diego mortgage companies use to decide whether to grant homebuyers their requested mortgage amount and type?

    The following are the three main considerations mortgage companies in San Diego take into account when accepting homebuyers for their requested mortgage amount and type:

    • The purchaser's credit history and payment history.
    • The homebuyer's financial capacity, overall income, and employment status.
    • The homebuyer's financial reserves, such as present home equity.
  • What qualities should you search for in a mortgage lender in San Diego?

    When searching for a mortgage provider in San Diego, you must search for someone who offers loans at fair rates, has clear terms and conditions, and has a loan option that fits your unique financial situation. Furthermore, a trustworthy mortgage provider should have a proven track record and substantial business expertise, as this gives you confidence in their ability to handle the loan application procedure without issues.

  • 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.