Best Mortgage Refinance Companies in San Marcos

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Blue Horizon Realty & Lending, Inc. logo
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License Verified:

License: 1120084

Nationwide Multistate Licensing System and Registry

Blue Horizon Realty & Lending, Inc.

500 La Terraza Blvd Suite 150, Escondido, CA 92025
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  • New Construction

Business Description

Blue Horizon Realty & Lending, Inc., is a team of Realtors and loan officers serving San Marcos and the surrounding areas. They help prospective home buyers navigate the borrowing process to fund their home ownership goals. The company offers programs such as VA, FHA, conventional, and jumbo loans. It also provides programs specifically for first-time home buyers. The company's officers have many years of experience in the lending industry and may communicate with clients in English and Spanish.

License Verified:

License: 1120084

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
Facebook
5.0 / 5 (17)
Google
4.5 / 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
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Federal Capital Funding Group logo
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License: 1853714

Nationwide Multistate Licensing System and Registry

Federal Capital Funding Group

425 W. 5th Ave, Ste 205, Escondido, CA 92025
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  • New Construction
  • Reverse Mortgages

Business Description

Federal Capital Funding Group serves clients in San Marcos and nearby areas. It offers a mortgage refinance program to borrowers seeking to settle an existing loan and those who wish to get lower monthly payments and interest rates. There are also lending programs offered to first-time homebuyers, such as VA, FHA, jumbo, and fixed- and adjustable-rate mortgages. Senior mortgage advisor Borna Joseph Eftekari started the company after spending over two decades of his career in the financial services and insurance industries.

License Verified:

License: 1853714

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 (80)
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
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Golden Coast Funding logo
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License Verified:

License: 2191676

Nationwide Multistate Licensing System and Registry

Golden Coast Funding

16909 Via De Santa Fe, Rancho Santa Fe, CA 92067
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  • Reverse Mortgages

Business Description

Golden Coast Funding, a division of Cabrillo Mortgage, serves existing homeowners in the San Marcos community. The company, founded in 2020, draws on its team's over 20 years of mortgage experience when working on a client's refinancing needs. Its specialists work closely with property owners to understand mortgage information and loan programs from its network of lenders that meet their needs, including significant savings through lower interest rates and monthly payments. They also help clients who are planning to withdraw cash from their home's equity.

License Verified:

License: 2191676

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 (17)
Facebook
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
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Mission Pacific Mortgage logo
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License Verified:

License: 14241

Nationwide Multistate Licensing System and Registry

Mission Pacific Mortgage

1902 Wright Pl STE 200, Carlsbad, CA 92008
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  • Reverse Mortgages

Business Description

Since 2018, Mission Pacific Mortgage has been working with people throughout San Marcos. It advises the owners of condos, single-family houses, and townhomes throughout the mortgage refinancing process. It helps them achieve a variety of financial goals, ranging from reduced interest rates to decreased monthly payments. The company also provides loans for military veterans. Its owner and founder, Robert Boladian, is the former CEO of Spectra Home Loans. He has over 15 years of experience in the industry.

License Verified:

License: 14241

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
Facebook
3.0 / 5 (27)
Google
5.0 / 5 (25)

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
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Detail
PGS Home Loans logo
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License Verified:

License: 1665909

Nationwide Multistate Licensing System and Registry

PGS Home Loans

San Marcos, CA
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  • Reverse Mortgages

Business Description

PGS Home Loans is a boutique mortgage brokerage firm serving clients in and around San Marcos. It helps homeowners and buyers improve their finances by securing home purchasing or refinancing loans that match their goals and needs. Among these programs are VA, FHA, and conventional loans. The firm's mortgage specialists work to streamline the borrowing process for clients by guiding them through every stage. They are also dedicated to educating people about the loan application process, home purchasing, and the financial advantages of homeownership.

License Verified:

License: 1665909

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 (20)
Yelp
4.0 / 5 (5)
Robison Home Loans logo
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License Verified:

License: 393335

Nationwide Multistate Licensing System and Registry

Robison Home Loans

508 W Mission Ave #200, Escondido, CA 92025
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  • Reverse Mortgages

Business Description

Robison Home Loans has been serving clients in and around San Marcos since 2015. The firm accommodates people seeking to refinance their current mortgages for various purposes, such as shortening loan terms, lowering monthly payments, cashing out equity, and consolidating debts. Its experts closely collaborate with borrowers to identify the loan package that best suits their needs. Ronnie Robison, CEO and mortgage broker, has assisted over 220 families using home financing to attain their goals.

License Verified:

License: 393335

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 (63)
Facebook
5.0 / 5 (36)
Yelp
5.0 / 5 (9)

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
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San Diego Purchase Loans logo
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License Verified:

License: 329451

Nationwide Multistate Licensing System and Registry

San Diego Purchase Loans

12750 High Bluff Dr Suite 100,, San Diego, CA 92130
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  • New Construction

Business Description

San Diego Purchase Loans caters to both homeowners and homebuyers with mortgage needs in San Marcos. The company recommends jumbo loans with a low downpayment for clients looking to refinance to take out cash, manage cash reserves, and fund non-warrantable condominiums. In addition, it carries specialty loans for self-employed borrowers, cannabis industry employees, and real estate investors. Karina Saldarriaga, the firm's branch manager, is fluent in Spanish and leverages over 15 years of experience in the mortgage industry.

License Verified:

License: 329451

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
Solidify Mortgage Advisors logo
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License Verified:

License: 1283930

Nationwide Multistate Licensing System and Registry

Solidify Mortgage Advisors

2888 Loker Ave. E, Ste 201, Carlsbad, CA 92010
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  • New Construction
  • Reverse Mortgages

Business Description

Solidify Mortgage Advisors is a group of professionals offering refinancing programs to borrowers in San Marcos. The group puts together refinancing plans designed according to each loan borrower's needs for today and the future. As part of an independent mortgage company, the agents strive to deliver unbiased guidance to clients when choosing from various refinancing options. They have been serving the community since 2014 and have originated over one billion dollars in loans. Additionally, the company serves Arizona, Colorado, and Idaho.

License Verified:

License: 1283930

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
Facebook
5.0 / 5 (17)
Google
4.2 / 5 (5)
Yelp
3.0 / 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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Steve Hougard Loans logo
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License Verified:

License: 246875

Nationwide Multistate Licensing System and Registry

Steve Hougard Loans

700 2nd St, Suite E, Encinitas, CA 92024
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  • New Construction
  • Reverse Mortgages

Business Description

Steve Hougard Loans caters to home buyers and owners in the San Marcos community and the surrounding areas. Through Bayshore Home Loans, Inc., Steve offers loan programs to refinance clients' existing mortgages to change their rates or monthly payments. He also guides individuals in purchasing their first homes by applying for FHA loan programs and processes VA loans for military veterans. Steve has been in the mortgage industry since 1987 and has processed over 2,000 loans for more than 200 clients.

License Verified:

License: 246875

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 (168)
Facebook
5.0 / 5 (14)
Stone Bridge Mortgage logo
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License Verified:

License: 1938081

Nationwide Multistate Licensing System and Registry

Stone Bridge Mortgage

970 Los Vallecitos Blvd. Suite 222, San Marcos, CA 92069
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  • New Construction

Business Description

Stone Bridge Mortgage helps San Marcos homeowners lower monthly payments and pay off interest debts through mortgage and cash-out refinancing. It has been operating since 2011 with the aim of consistently providing favorable loan terms and closing deals on time. The brokerage considers the client's needs, loan history, and financial standing and leverages its access to hundreds of lenders to find the ideal loan program for the client's lifestyle. Stone Bridge Mortgage also assists with purchase solutions, including fixed-rate, FHA, and VA loans.

License Verified:

License: 1938081

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.
4.3
Google
4.3 / 5 (42)

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
Team Sleder logo
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License Verified:

License: 239958

Nationwide Multistate Licensing System and Registry

Team Sleder

16644 W Bernardo Drive, Suite 100, San Diego, CA 92127
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  • Reverse Mortgages

Business Description

Team Sleder comprises mortgage lending professionals who serve the San Marcos area. Through RWM Home Loans, it offers VA and FHA streamline refinance programs that allow for a cash-out or PMI removal. It helps refinancing borrowers understand their options in light of their short- and long-term financial goals. For every closed loan, Team Sleder has pledged $100 to each of its housing and financial charity partners around the community. Shanne Sleder, its namesake, has more than 16 years of mortgage experience.

License Verified:

License: 239958

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 (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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
VanDyk Mortgage Corporation logo
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License Verified:

License: 220268

Nationwide Multistate Licensing System and Registry

VanDyk Mortgage Corporation

310 Via Vera Cruz, #210 & 211,, San Marcos, CA 92078
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  • New Construction

Business Description

VanDyk Mortgage Corporation provides home financing solutions to San Marcos residents. It specializes in government-backed loans for refinancing and purchase, such as conventional, VA, and FHA. Refinancing homeowners may also take advantage of fixed- and adjustable-rate mortgages and home equity loans. Its loan officers help clients assess if refinancing will be beneficial and find the loan program that meets their goals. VanDyk Mortgage Corporation is a member of the Mortgage Bankers Associating. It has been in the mortgage business since 1987.

License Verified:

License: 220268

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
Facebook
4.5 / 5 (109)
Google
4.8 / 5 (22)

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
Back to Providers

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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