Best Mortgage Refinance Companies in Santa Barbara

Laurels
Laurels

We did the research for you!

Learn more
  • checkboxLicensing
  • checkboxUser Reviews
  • checkboxMystery Shopping Calls

Mortgage Refinance Companies FAQs

Learn more
American Pacific Mortgage logo
Visit Website

License Verified:

License: 779500

Nationwide Multistate Licensing System and Registry

American Pacific Mortgage

3 Lincoln Dr #3b, Ventura, CA 93001
Visit Website
  • New Construction

Business Description

American Pacific Mortgage caters to clients in and around Santa Barbara. Its specialists assist homeowners looking to refinance their current mortgages to lower monthly payments or utilize home equity. They identify borrowers' goals and revisit their mortgages to determine if refinancing is advisable. The team also offers first-time homebuyers guidance throughout the whole home-buying journey to help them make informed decisions. Branch manager Greg Abrams has been honing his knowledge of the home lending market for more than 15 years.

License Verified:

License: 779500

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 (21)
Facebook
5.0 / 5 (17)

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

American Pacific Mortgage

Direct Mortgage Funding-Santa Barbara logo
Visit Website

License Verified:

License: 57662

Nationwide Multistate Licensing System and Registry

Direct Mortgage Funding-Santa Barbara

1736 State St, Santa Barbara, CA 93101
Visit Website
  • Reverse Mortgages

Business Description

Direct Mortgage Funding - Santa Barbara provides solutions to clients in the local metro and the surrounding areas. It offers home purchase and refinancing loan options, including conventional, conforming, VA, FHA, and jumbo loans. Additionally, the company has reverse and fixed-rate mortgage options. Its fixed-rate mortgages are available for 15- or 30-year terms. The company helps clients find mortgage programs based on their needs. Guy Rivera, a branch manager at Direct Mortgage Funding, has over 20 years of real estate finance experience.

License Verified:

License: 57662

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
Yelp
4.5 / 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
Visit Website

Direct Mortgage Funding-Santa Barbara

Jerry Avila logo
Visit Website

License Verified:

License: 1674069

Nationwide Multistate Licensing System and Registry

Jerry Avila

2751 Park View Court, Unit 271, Oxnard, CA 93036
Visit Website
  • New Construction

Business Description

Jerry Avila is a loan officer who offers mortgage services to clients in and around Santa Barbara. He specializes in refinancing, helping clients find loans with better terms or take some cash out of their properties. His agency provides clients with professional support and assistance in navigating through the mortgage process. Avila’s primary clients are first time home buyers, but also lends his services to move-up and second-home buyers, investment buyers, and seniors seeking reverse mortgages.

License Verified:

License: 1674069

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 (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
Visit Website

Jerry Avila

Loan Warehouse logo
Visit Website

License Verified:

License: 1833428

Nationwide Multistate Licensing System and Registry

Loan Warehouse

183 Montgomery Avenue FL 2, Oxnard, CA 93036
Visit Website
  • New Construction
  • Reverse Mortgages

Business Description

Loan Warehouse is a mortgage company that caters to customers in Santa Barbara. It serves people looking for refinancing solutions to pay off their existing mortgage with a new one. It provides jumbo, 203K, FHA, VA, and USDA loans, as well as fixed-rate mortgages with terms ranging from 15 to 30 years. Javier Ordonez, one of its loan consultants, helps Spanish- and English-speaking clients understand the mortgage process by simplifying the terms. The company belongs to the Association of Independent Mortgage Experts.

License Verified:

License: 1833428

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 (13)
Visit Website

Loan Warehouse

Paragon Mortgage Group logo
Visit Website

License Verified:

License: 240525

Nationwide Multistate Licensing System and Registry

Paragon Mortgage Group

1215 De la Vina Street, Santa Barbara, CA 93101
Visit Website
  • Reverse Mortgages

Business Description

Paragon Mortgage Group serves customers in Santa Barbara who need refinancing and loan options. The team has fixed and adjustable-rate mortgages with terms ranging from a decade to three. Refinancing options are available to take advantage of more favorable conditions and terms of fulfillment. Paragon Mortgage Group is owned by Peter Trent, who is a licensed real estate broker who has more than two decades of experience in the finance and property sectors. He previously worked for Hammock Arnold Smith & Company.

License Verified:

License: 240525

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 (2)
Yelp
5.0 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Visit Website

Paragon Mortgage Group

SB Mortgage Group logo
Visit Website

License Verified:

License: 1211574

Nationwide Multistate Licensing System and Registry

SB Mortgage Group

1601 Anacapa St, Santa Barbara, CA 93101
Visit Website
  • New Construction

Business Description

SB Mortgage Group helps individuals in Santa Barbara choose from a selection of loan programs that suit their needs. It offers mortgage refinancing options for various property types, including townhouses, condominiums, single-family houses, multi-family residences, and vacation homes. In addition, it provides FHA, USDA, VA, and jumbo loans as well as adjustable-rate and fixed-rate, interest-only, and graduated payment options. Clients can use the mortgage calculators on its website to evaluate their options and make informed decisions.

License Verified:

License: 1211574

Nationwide Multistate Licensing System and Registry

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

SB Mortgage Group

Skyview Mortgage logo
Visit Website

License Verified:

License: 1962695

Nationwide Multistate Licensing System and Registry

Skyview Mortgage

Ventura, CA 93001
Visit Website
  • New Construction
  • Reverse Mortgages

Business Description

SkyView Mortgage is a full-service company that offers its services to clients in Santa Barbara. The company offers expertise in conventional low-cost refinancing loans for multiple property types like single and multi-family homes, condominiums, townhomes, and manufactured. Its refinancing programs include FHA streamline, and FHA cash out. FHA 203k, VA streamline, USDA streamline, and HARP are also offered. SkyView Mortgage also caters to clients from across California and also covers niche programs for refinancing like no points, no fees, and 0% down.

License Verified:

License: 1962695

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 (5)
Facebook
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Visit Website

Skyview Mortgage

Trenton Hammel logo
Visit Website

License Verified:

License: 720948

Nationwide Multistate Licensing System and Registry

Trenton Hammel

222 E Carrillo St. Ste. 107, Santa Barbara, CA 93101
Visit Website
  • New Construction
  • Reverse Mortgages

Business Description

Trenton Hammel provides his mortgage services across the Santa Barbara community and the surrounding areas. Trenton helps homeowners achieve their financial goals by refinancing their existing mortgage loans, which focuses on shortening their terms and reducing their monthly payments. These refinancing services also allow them to obtain funds for home improvement matters. In addition to mortgage refinancing, he helps individuals apply for conventional, USDA, VA, and FHA loans. Trenton is a sales manager and loan consultant at Caliber Home Loans.

License Verified:

License: 720948

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
4.9 / 5 (6291)
Facebook
5.0 / 5 (10)

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

Trenton Hammel

Triple C Mortgage, Inc. logo
Visit Website

License Verified:

License: 248302

Nationwide Multistate Licensing System and Registry

Triple C Mortgage, Inc.

138 N. 10th Street, Santa Paula, CA 93060
Visit Website
  • New Construction

Business Description

Triple C Mortgage, Inc. helps residents in the Santa Barbara area achieve their home refinancing or purchasing goals. It assists clients in obtaining the best interest rates and monthly payments for their new homes or investment properties that meet their financial situation. It has funded over $140 million in loans to purchased and refinanced home units with the help of its digital mortgage process that provides borrowers with prompt assistance on their loan applications and pre-qualifications.

License Verified:

License: 248302

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)

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
––
Visit Website

Triple C Mortgage, Inc.

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.

Read All FAQS