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Best Mortgage Refinance Companies in Santa Ana

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2700 N. Main Street,Suite 761, Santa Ana, CA 92705
Santa Ana, CA 92705
  • New Construction

0pointLoan offers solutions to Santa Ana individuals and families who need mortgage refinancing. Depending on the years to repay a mortgage, clients are offered 15- or 30-year refinance programs. The company offers VA refinance plans that help veterans and their eligible family members. It also walks clients through the process of securing IRRRL or getting cash from their equity. 0pointLoan's mortgage officers offer support to clients with plans of purchasing single-family homes, condominium units, townhomes, or multi-family homes.

2700 N. Main Street,Suite 761, Santa Ana, CA 92705
Santa Ana, CA 92705

Website(800) 568-6456

Show Number

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:

4.4 / 5 ( Best)

Total Reviews:

47 (Best)

Score Consistency:

Consistent (Best)

18022 Cowan, Irvine, CA 92614
Irvine, CA 92614
Instagram
  • Reverse Mortgages
  • NMLS #: 39166

ALT Financial is a Santa Ana firm of mortgage specialists that helps clients looking for mortgage refinancing options in the area. The company is licensed under the California Department of Real Estate and is composed of NMLS certified loan officers. It offers clients various options for home refinancing, such as monthly payment reductions, mortgage term reductions, and debt consolidation. It has extensive experience in processing government loan options, such as the Home Affordable Refinance Program (HARP).

18022 Cowan, Irvine, CA 92614
Irvine, CA 92614

InstagramWebsite(714) 751-6666

Show Number

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:

11 (Better)

Score Consistency:

Consistent (Best)

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: --

7700 Irvine Center Drive, Irvine, CA 92618
Irvine, CA 92618
  • Reverse Mortgages
  • First Time Home Buyers
  • Investment Buyers

BrendaTheLenda assists Santa Ana-based residents with their financing needs. Together with a team of loan officers, Brenda Dintino guides clients in a number of areas, including mortgage refinancing which caters to homeowners who wish to decrease their mortgage interest rates. In addition, she also provides lending assistance for first and second-time home buyers, self-employed individuals, investors, and seniors looking into obtaining reverse mortgages. BrendaTheLenda has more than four decades of experience in the mortgage industry.

7700 Irvine Center Drive, Irvine, CA 92618
Irvine, CA 92618

Website(714) 501-1997

Show Number

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:

4.7 / 5 ( Best)

Total Reviews:

14 (Better)

Score Consistency:

Consistent (Best)

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: --

1633 East 4th Street, Santa Ana, CA 92701
Santa Ana, CA 92701
  • New Construction

Cross Mortgage is a mortgage refinance company that serves clients in Santa Ana and nearby areas. The business guides individuals in choosing the right mortgage loans for them with the best interest rates. Its team of mortgage brokers is also well-versed in handling a wide range of loan options, including FHA, VA, USDA, refinance, conventional, and home equity loans. Additionally, clients can utilize the calculator and other tools on the company's website for comparative and consultation purposes.

1633 East 4th Street, Santa Ana, CA 92701
Santa Ana, CA 92701

Website(714) 245-1725

Show Number

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:

22 (Better)

Score Consistency:

Consistent (Best)

18071 Fitch Ste. 200, Irvine, CA 92614
Irvine, CA 92614
Instagram
  • Multi-Family Loans

E Mortgage Capital is a family-run business serving Santa Ana and the neighboring areas. Its team assists residential property owners in refinancing their current mortgage payments to reduce monthly payments and increase disposal cash. It also offers a variety of loans such as conventional home loans, FHA, and VA. In addition, clients can opt for personalized loans like USDA and Non-QM, allowing interest-only payments and accepting alternative income methods verification. Its principal owners have over four decades of combined experience.

18071 Fitch Ste. 200, Irvine, CA 92614
Irvine, CA 92614

InstagramWebsite(855) 569-3700

Show Number

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:

1783 (Best)

Score Consistency:

Consistent (Best)

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+

151 Yorba St Ste 100, Tustin, CA 92780
Tustin, CA 92780
  • NMLS #: 39166

Falcon Investment and Loans Inc. is a mortgage banker that specializes in every common type of residential home loan, and it refinances most types of loans for clients with diverse goals. It's experienced with conventional loans, jumbo loans, FHA, and VA loans. It also does reverse mortgages, and services are available to clients seeking to complete private money loans, too. Programs are offered for experienced real estate investors as well as first-time home buyers.

151 Yorba St Ste 100, Tustin, CA 92780
Tustin, CA 92780

Website(657) 600-8299

Show Number
2700 N. Main Street, Suite 620, Santa Ana, CA 92705
Santa Ana, CA 92705
Instagram
  • Multi-Family Loans

Fast Action Mortgage is a home loan service provider serving the residents of Santa Ana and the surrounding areas. It provides FHA Streamline refinancing services, which require no employment, income, or credit score verification. It offers refinancing solutions for different types of fixed-rate home loans, including conforming and non-conforming, jumbo, and portfolio loans. The company also provides down payment assistance, foreign national loans, and investment property loans. Fast Action Mortgage has been in operation for more than two years.

2700 N. Main Street, Suite 620, Santa Ana, CA 92705
Santa Ana, CA 92705

InstagramWebsite(888) 505-5820

Show Number

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:

58 (Best)

Score Consistency:

Consistent (Best)

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: --

416 Myrtle Street, Santa Ana, CA 92701
Santa Ana, CA 92701
Instagram
  • Multi-Family Loans

GR Financial Services is a real estate and mortgage company that serves clients in Santa Ana and the surrounding areas. It helps first-time homebuyers, seasoned investors, and seniors needing reverse mortgages find the right option for them. It also assists clients in their home refinance needs to help them lower monthly payments, interest rates, and DTIs. The company deals with properties, such as single- and multi-family homes, townhouses, condos, and manufactured homes that serve as a primary residence, vacation or rental home, or investment.

416 Myrtle Street, Santa Ana, CA 92701
Santa Ana, CA 92701

InstagramWebsite(951) 227-1173

Show Number

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:

4.7 / 5 ( Best)

Total Reviews:

68 (Best)

Score Consistency:

Consistent (Best)

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+

1611 E 4th St Ste 120, Santa Ana, CA 92701
Santa Ana, CA 92701

Homes and Land of California refinances home mortgages for clients in and around the Santa Ana metro area. This company refinances standard mortgages, allowing clients to pursue benefits such as lower interest rates and lower monthly payments. It offers detailed guidance to clients to help them navigate decisions about the timing and extent of their refinance agreements. Homes and Land of California is also experienced with the Homeready mortgage program and the Sapphire mortgage program.

1611 E 4th St Ste 120, Santa Ana, CA 92701
Santa Ana, CA 92701

Website(714) 404-4044

Show Number
1720 East Garry Avenue, Santa Ana, CA 92705
Santa Ana, CA 92705
Instagram
  • Reverse Mortgages
  • New Construction

iFund Mortgage serves clients in the Santa Ana area through its varied array of loan products and mortgage refinancing services. Its loan officers guide clients through the process of restructuring aspects of their current mortgage, from its rate and term to the total debt amount by way of cash-out refinancing. The company also offers financing options such as FHA and conventional loans. iFund Mortgage also advises clients on their credit score and how to improve it.

1720 East Garry Avenue, Santa Ana, CA 92705
Santa Ana, CA 92705

InstagramWebsite(714) 863-9372

Show Number

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:

147 (Best)

Score Consistency:

Consistent (Best)

2932 Daimler St, Santa Ana, CA 92705
Santa Ana, CA 92705
  • Multi-Family Loans

Keith De John serves individuals in Santa Ana who need assistance with refinancing their home mortgages. He works with existing borrowers, explaining the process and helping them to choose from a selection of refinancing options. Keith also serves clients who want to buy a new primary residence or a second vacation home, senior citizens looking for reverse mortgages, and individuals purchasing real estate for investment purposes. He keeps customers informed of the status of their loans, reaching out to them through emails and calls.

2932 Daimler St, Santa Ana, CA 92705
Santa Ana, CA 92705

Website(714) 612-5501

Show Number

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:

52 (Best)

Score Consistency:

Consistent (Best)

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+

6 Hutton Centre Drive, Santa Ana, CA 92707
Santa Ana, CA 92707
  • NMLS #: 39166

LoanLock is a mortgage lender headquartered in Santa Ana and services clients within the vicinity. Whether a client is refinancing or buying, the company processes loans on-site and verifies all pertinent information so approval decisions are done right away. Fixed loans, ARM loans, and jumbo loans are some of the general types of loans it offers to clients. Also available are FHA and VA loans. LoanLock implements a fast and secure paperless processing of loans where applications and requirements are sent online.

6 Hutton Centre Drive, Santa Ana, CA 92707
Santa Ana, CA 92707

Website(888) 671-5625

Show Number

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:

3873 (Best)

Score Consistency:

Consistent (Best)

1912 N Broadway Suite 102, Santa Ana, CA 92706
Santa Ana, CA 92706
  • Multi-Family Loans

MGM Lenders Inc. is a non-bank financial services company that has been operating in Santa Ana since 2004. It assists individuals who are buying their first homes, investing in a property, refinancing their home, or consolidating debts through a wide variety of mortgage products or loan programs. These include VA, FHA, jumbo, conventional, and streamline refinance. MGM Lenders includes team members speak Spanish and Farsi. Additionally, the company helps clients with the pre-qualification process.

1912 N Broadway Suite 102, Santa Ana, CA 92706
Santa Ana, CA 92706

Website(866) 315-4700

Show Number

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:

3.9 / 5 ( Good)

Total Reviews:

18 (Better)

Score Consistency:

Consistent (Best)

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: --

1432 Edinger Ave Ste 200, Tustin, CA 92780
Tustin, CA 92780

Quantum Lending Corp. is a mortgage company offering refinance services for home loans. It refinances several types of residential properties including single-family homes, multifamily properties, townhouses, condominiums, and manufactured homes. It helps clients to determine their eligibility for refinance programs and explore the potential benefits they might receive so they can make educated decisions about whether to pursue a refinance or not. Quantum Lending Corp. also offers special condo financing.

1432 Edinger Ave Ste 200, Tustin, CA 92780
Tustin, CA 92780

Website(866) 494-2466

Show Number
1522 E. Fourth St., Santa Ana, CA 92701
Santa Ana, CA 92701
  • Multi-Family Loans

RFG Mortgage Bankers serves individuals and families throughout Santa Ana and the nearby communities. It offers assistance with refinancing to help clients reduce monthly payments, cash out some of their equity, or consolidate existing debts. The firm has access to a wide network of lending partners and helps its clients with finding appropriate mortgage options that fit their specific needs, circumstances, and budget. Loan programs include fixed-rate mortgage, ARM programs, non-conventional loans, and balloon loan programs.

1522 E. Fourth St., Santa Ana, CA 92701
Santa Ana, CA 92701

Website(714) 560-8830

Show Number

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:

4.6 / 5 ( Best)

Total Reviews:

44 (Best)

Score Consistency:

Consistent (Best)

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+

15 Macarthur Pl, Santa Ana, CA 92707
Santa Ana, CA 92707
  • New Construction

Smart Choice Realty & Mortgage Finance handles the lending needs of residents in the Santa Ana area. The broker works with more than 350 lending institutions and provides various home loan programs, including refinancing, fixed-rate mortgages, FHA, and VA home loans. Its mortgage refinance services help clients reduce their monthly payments, consolidate high-interest debts, and pay off mortgages faster. The professionals at the firm also help clients with cashing out to upgrade their properties, invest in other properties, or improve their businesses.

15 Macarthur Pl, Santa Ana, CA 92707
Santa Ana, CA 92707

Website(800) 869-6513

Show Number

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:

4.3 / 5 ( Best)

Total Reviews:

36 (Best)

Score Consistency:

Consistent (Best)

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+

2510 Red Hill Avenue, Santa Ana, CA 92705
Santa Ana, CA 92705
  • Reverse Mortgages
  • Multi-Family Loans

Sol Mortgage is a mortgage refinancing company serving homeowners and business owners in Santa Ana. The company offers a comprehensive line of mortgage options, including conventional, jumbo, FHA, VA, and first-time homebuyers loans. It gives clients all the available information about various loans to be able to identify what fits their needs. It provides a simple loan process, instant results, and quick deal completion. Furthermore, Sol Mortgage is an approved servicer of Ginnie Mae, Fannie Mae, and Freddie Mac.

2510 Red Hill Avenue, Santa Ana, CA 92705
Santa Ana, CA 92705

Website(844) 536-3765

Show Number

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:

4.7 / 5 ( Best)

Total Reviews:

108 (Best)

Score Consistency:

Consistent (Best)

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+

1801 Park Court Place, G100, Santa Ana, CA 92701
Santa Ana, CA 92701
  • Multi-Family Loans

Vision One Mortgage caters to clients in Santa Ana and the surrounding communities. It provides mortgage refinance solutions for individuals who wish to change their existing mortgage or cash out their homes' equity. It offers various home loan options, including jumbo and super jumbo, fixed-rate, adjustable-rate, conforming, USDA, and FHA. Vision One Mortgage provides five to 30 years term options. It offers special assistance to senior citizens who want to apply for reverse mortgage programs.

1801 Park Court Place, G100, Santa Ana, CA 92701
Santa Ana, CA 92701

Website(714) 323-8823

Show Number

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:

3.8 / 5 ( Good)

Total Reviews:

74 (Best)

Score Consistency:

Variable (Good)

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+

Frequently Asked Questions:

Q: What should you expect when refinancing a mortgage?
A: 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.
Q: How often should you refinance your mortgage?
A: 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.

Q: Can you refinance a first mortgage and not a second?
A: 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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