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Best Mortgage Refinance Companies in San Pedro

2024

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Providers

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Website
773 W 9th St, San Pedro, CA 90731
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Harbor View Funding handles mortgage matters in the San Pedro metro and the surrounding areas. Its team aims to understand clients' mortgage needs to create plans and offer loan programs based on their financial goals. The company provides different loan options, including construction, conventional, balloon, jumbo, and bridge. It also allows clients to choose fixed-rate or HomePath mortgages. Harbor View Funding extends its services to Los Alamitos, Rancho Palos Verdes, Torrance, Paramount, and Long Beach.

License Verified:

License: 1757032

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 (31)
Google
5.0 / 5 (16)

Website
24445 Hawthorne Blvd, Suite 201, Torrance, CA 90505
  • Reverse Mortgages

Why choose this provider?

Pacific Mortgage Co. helps aspiring homebuyers and homeowners in San Pedro in obtaining loan options that match their needs. The company assists clients in refinancing and purchasing properties through its various mortgage programs, including reverse, jumbo, FHA, VA, and conforming and non-conforming loans. One of its most recent transactions involves a retired customer refinancing a single-family home in Manhattan Beach using a rental agreement. President Stephan Wiederkehr has been in the mortgage industry for 20 years.

License Verified:

License: 1494813

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.
4.1

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
350 West 5th Street #206, San Pedro, CA 90731

Why choose this provider?

Malaga Funding, Inc., is a residential and commercial real estate financing company that caters to the San Pedro metro. Its services include mortgage refinancing, offering different types of options, including FHA, VA, conventional, and jumbo loans. It also crafts balance and conforming loan programs. Malaga Funding provides tri-merge credit reports with FICO scores to its first-time clients. Its mortgage brokers, Andrea Dobrick and Joe Gomez, have more than 44 years of combined experience in real estate lending.

License Verified:

License: 267223

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 (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
2244 Pacific Coast Hwy #106, Lomita, CA 90717
  • Reverse Mortgages

Why choose this provider?

SunWest Mortgage Company, Inc. is a technology-driven lender that accepts and processes loan applications online and provides same-day pre-qualifications. It caters to clients in San Pedro who would like to purchase homes, refinance their mortgages, or cash out their equity. The company assists them with several options, including conventional, Native American, FHA, VA, jumbo, and USDA loans. It aims to close every loan with true approval in no more than 28 days. SunWest Mortgage Company has been in the industry for three decades.

License Verified:

License: 2550

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
4.8 / 5 (3470)
Facebook
4.5 / 5 (555)

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
17315 Studebaker Rd #300E, Cerritos, CA 90703
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Khan Home Loan serves San Pedro residents, providing them with mortgage options and refinancing programs. It serves various clients, from first-time homebuyers to residential property investors. It offers FHA, USDA, VA, and jumbo loans. Its mortgage professionals also assist current mortgagors in refinancing their current lending options. They advise them on the necessary qualifications for various refinancing plans and the benefits of said plans, such as cash or shortened loan terms. Khan Home Loans has over 15 years of industry experience.

License Verified:

License: 2092207

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
5.0 / 5 (8)

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
15 Miraleste Plz., Rancho Palos, CA 90275
  • New Construction

Why choose this provider?

Vanessa Jezin is a mortgage advisor at Pinnacle Home Loans, helping borrowers in San Pedro achieve their interest rate goals through refinancing. She leverages her more than 16 years of experience in the mortgage banking field to help clients find loans tailored to their needs and financial circumstances. Vanessa combines her problem-solving skills with a commitment to delivering quality customer service to provide loans that impact clients' health, wealth, and quality of life. She takes an approach to mortgage processing that emphasizes relationship building and integrity.

License Verified:

License: 231293

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 (1)

Website
23236 Lyons Ave., Suite 232, Newhall, CA 91321
  • New Construction

Why choose this provider?

Andrianna Felando is a mortgage loan originator handling home refinancing for clients in San Pedro. Together with The Money Store, she offers refinancing options for both real estate agents and homeowners in the community. Her firm handles in-house underwriters, offering an efficient process for its clients. The Money Store is handled by MLD Mortgage Inc. which has been a full-service mortgage banker for over 50 years. The company is an MBA member and is licensed in 47 states.

License Verified:

License: 1547657

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 (1)

Website
1977 Redondela Drive, Rancho Palos Verdes, CA 90275
  • New Construction

Why choose this provider?

Capital Lending & Real Estate caters to the mortgage needs of property investors, first-time homebuyers, and seasoned veterans in San Pedro and nearby communities. The office has various refinancing programs, such as USDA streamline, FHA cash out, commercial, VA cash out, FHA 203k, and conventional loans. Owner and mortgage broker John Lauro guides customers throughout the home purchasing, refinancing, and selling processes. He has been active in the industry since 1995, also providing adjustable-rate and graduated payment mortgages.

License Verified:

License: 239536

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
29000 S Western Ave Suite 210, Rancho Palos Verdes, CA 90275
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Fairview Mortgage Capital serves clients across San Pedro and the surrounding cities. It provides mortgage loan options for home refinancing and purchasing, such as adjustable-rate and fixed-rate mortgages, combined and hybrid ARMs, conforming, conventional, FXA, and jumbo loans. It also offers home equity, cash-out home loan, and reverse mortgage programs. It provides clients with written pre-approval certificates within one hour to make the loan process faster and simpler for them. It has been helping clients since 1996.

License Verified:

License: 1239897

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 (3)
Google
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
3700 Wilshire Boulevard, Ste 999, Los Angeles, CA 90010
  • New Construction

Why choose this provider?

Viewpoint Mortgage is a family-owned and family-operated firm established in 1986. The company works with real estate professionals, builders, investors, and homebuyers in the San Pedro metro and its surrounding communities. The company handles different kinds of loans, including conventional, jumbo, VA, FHA, and cash-out options. In addition, the company provides loan products for active-duty military members, veterans, and persons with disabilities. The company also offers mortgage manager services for clients considering refinancing existing loans.

License Verified:

License: 336969

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.
4.7
Google
4.7 / 5 (3)

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

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.
  • How common is mortgage refinancing in San Pedro?

    Since 2022, San Pedro and the rest of the Los Angeles-Orange County area have seen 83% fewer mortgage refinances and 82% more equity loans. Home purchase loans in the metro are also down by 55%. In fact, California is seeing its biggest 12-month drop on record, with 63% fewer mortgages taken out in the same year.

  • Are refinance rates high in San Pedro?

    Compared to California’s other metropolitan areas, refinance rates in San Pedro and the rest of the Los Angeles-Orange County area sit fairly low at 4.63%. The median home value in the metro is $603,493, with estimated monthly payments of $2,482 for a 30-year fixed-rate refinance. In contrast, San Diego and the Inland Empire have refinance rates of 4.66% and 4.65%, respectively.

  • What are the origination costs in a San Pedro refinance?

    Origination costs in a San Pedro refinance are the fees lenders charge to cover the cost of handling loans. They may include application, underwriting, processing, and administrative fees. Borrowers may negotiate for lower origination fees, especially if they have decent credit scores, a sizable down payment, or a low debt-to-income ratio.

  • What are the advantages of shopping around for a San Pedro refinance?

    Homeowners in San Pedro looking to refinance may be able to save $25 to $50 a month if they shop around, which amounts to at least $300 saved in a year. They may also be able to find a lender offering minimal closing costs. However, homeowners are advised to remember that no-closing-cost loans typically charge higher interest rates.

  • What are San Pedro refinance options for those with low credit scores?

    Those in San Pedro with a credit score of below 700 and who have little home equity may refinance their mortgage to an FHA loan. However, the loan is only available for primary residences of one to four units. The average FICO score in California as of 2021 is 721.

  • 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.