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Best Mortgage Refinance Companies in Santa Clarita

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2023
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America Capital Funding logo
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License Verified:

License: 3289

Nationwide Multistate Licensing System and Registry

America Capital Funding

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28419 Connick Place, Santa Clarita, CA 91350
  • Reverse Mortgages
  • New Construction
  • Multi-Family Loans

Business Description

America Capital Funding is a mortgage refinance company in Santa Clarita that offers a wide range of lending products for various properties, including single and multi-family homes, offices, and retail and industrial buildings. It offers different mortgage rate options and loan programs, including FHA home loans, jumbo loans, USDA loans, and VA loans. The president of America Capital Funding, Robert Nassry, has provided residential real estate construction loans to families, builders, and investors for more than 20 years.

License Verified:

License: 3289

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 (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
Augusta Financial, Inc. - Santa Clarita logo
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License Verified:

License: 241911

Nationwide Multistate Licensing System and Registry

Augusta Financial, Inc. - Santa Clarita

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25129 The Old Road, Santa Clarita, CA 91381
  • Reverse Mortgages
  • Multi-Family Loans

Business Description

Founded in 1995, Santa Clarita-based mortgage banker and mortgage broker, Augusta Financial, Inc., provides its clients a vast array of mortgage services that include assistance in discovering loan options, calculating monthly mortgage payments, assistance in loan processes, and purchasing a home. It supports first-time homebuyers, real estate investors, and experienced homebuyers in the process of finding the right home. It also offers assistance on loan options, including conventional loans, FHA, VA, bridge loans, and jumbo loans.

License Verified:

License: 241911

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
Yelp
4.5 / 5 (163)
Facebook
4.5 / 5 (13)

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
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CSMC Mortgage - Santa Clarita logo
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License Verified:

License: 1570216

Nationwide Multistate Licensing System and Registry

CSMC Mortgage - Santa Clarita

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23822 Valencia Blvd Ste 210, Valencia, CA 91355
  • New Construction

Business Description

CSMC Mortgage is a mortgage broker and lender that works with Santa Clarita clients through its Valencia branch. Its loan officers can help refinance and restructure a client's mortgage. They can shorten the mortgage's term, assist a client in consolidating their debts, and guide a client through using their home equity to obtain funds. The company also offers loan products from its network of lenders, including VA, conventional, jumbo loans, reverse mortgages, and non-qualified mortgages.

License Verified:

License: 1570216

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
5.0 / 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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
First Choice Lending logo
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License Verified:

License: 322768

Nationwide Multistate Licensing System and Registry

First Choice Lending

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1027 North Maclay Avenue, San Fernando, CA 91340
  • Reverse Mortgages
  • New Construction

Business Description

First Choice Lending is a mortgage refinance company that serves the Santa Clarita area and its surrounding communities. Its loan officers help individuals in refinancing their loans to 15- and 30-year or adjustable-rate mortgages. They also guide them towards choosing a mortgage refinance program that would best serve their interests. In addition, First Choice Lending handles conventional financing for residential property purchases, including VA, FHA, jumbo, and privately funded loans, as well as reverse mortgages.

License Verified:

License: 322768

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
Yelp
5.0 / 5 (38)
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
Garrett Todd logo

License Verified:

License: 356437

Nationwide Multistate Licensing System and Registry

Garrett Todd

7100 Hayvenhurst Avenue, Van Nuys, CA 91406
  • Reverse Mortgages

Business Description

Garrett Todd is a mortgage refinancing service that caters to residents of Santa Clarita and its surrounding areas. It employs a mortgage team with over 50 years of combined industry experience. They offer to advise homeowners on suitable refinancing plans to save money, reduce overall expenses, and address their billing concerns. The company caters to clients who have less-than-perfect credit scores or are self-employed. Founder Garrett Todd aims to make the transaction process smooth and even goes to a client's house to pick up documentation.

License Verified:

License: 356437

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
4.0 / 5 (53)

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
Greenback Funding logo

License Verified:

License: 239950

Nationwide Multistate Licensing System and Registry

Greenback Funding

2139 Tapo Street, Simi Valley, CA 93063
  • Reverse Mortgages
  • New Construction

Business Description

Greenback Funding is a mortgage refinancing company that serves the Santa Clarita metro and the surrounding areas. It offers various loan options like adjustable-rate and fixed-rate mortgages, challenged credit loans, second mortgage loans, flex 97%, jumbo loans, and VA/FHA loans. The company is experienced in eliminating private mortgage insurance through refinancing. It also helps clients lower their monthly payments, take cash out of equity, and consolidate debt. Greenback Funding offers a special low-cost refinancing program as well.

License Verified:

License: 239950

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.
4.2
Facebook
5.0 / 5 (3)
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
––
LA Mortgage Inc. logo
Visit WebsiteWebsite

License Verified:

License: 284169

Nationwide Multistate Licensing System and Registry

LA Mortgage Inc.

Visit WebsiteWebsite
9338 Reseda Boulevard, Northridge, CA 91324
  • New Construction

Business Description

LA Mortgage, Inc., offers mortgage lending assistance to clients in the Santa Clarita area. Its goal is to help clients navigate through the home loan process so that they can confidently select a suitable mortgage for their needs. Even after selecting their preferred loan program, LA Mortgage continues working with clients to support them in achieving homeownership. Its loan programs on offer include conventional, FHA, jumbo, VA, purchase, and refinance loans. It also has construction, home equity, and reverse mortgage loans.

License Verified:

License: 284169

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)

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
Southern Oaks Mortgage, Inc. logo

License Verified:

License: 237717

Nationwide Multistate Licensing System and Registry

Southern Oaks Mortgage, Inc.

25060 Avenue Stanford, Valencia, CA 91355
  • Reverse Mortgages

Business Description

Southern Oaks Mortgage Inc. is a mortgage broker operating in Santa Clarita. The business assists clients in refinancing their mortgages through its brokers and a refinancing advisor program on its online platform. It offers various loan products, such as VA loans, FHA loans, home improvement loans, reverse mortgages, and home equity loans. Clients commended Southern Oaks Mortgage Inc. for maintaining regular communication and conveying clients' mortgage information in an easy-to-understand format.

License Verified:

License: 237717

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 (38)
Facebook
5.0 / 5 (18)

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
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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 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.

  • How does mortgage refinance work?

    The mortgage refinance process begins with choosing a broker and filling out loan application information. The process continues through underwriting and closing. The new mortgage is then used to pay off and close your original mortgage loan. This leaves you with a new loan and mortgage payment to manage each month.

  • When should you refinance a mortgage?

    If your credit score has improved or mortgage interest rates have dropped, refinancing can potentially save you money. Other reasons to refinance your mortgage include getting a fixed rate instead of an adjustable one or getting a shorter loan term. An increase in your home’s value that can let you access more equity is another reason to refinance.

  • How much does it cost to refinance a mortgage?

    The average cost to refinance a mortgage is $5,000. This amount varies, based on the state and county where the property is located and the loan amount. Common fees incurred when refinancing a mortgage include:

    • Appraisal fee
    • Broker’s fee
    • Credit check fee
    • Loan application fee
    • Recording fee
    • Title search and insurance fee

  • How soon can you refinance a mortgage?

    Some lenders make borrowers wait a minimum of six months before accepting a new mortgage refinancing application. However, when that happens, borrowers can check with other lenders to find one that doesn’t require a wait before refinancing. A mortgage refinance broker can guide you to lenders that allow immediate refinancing.

  • How long does it take to refinance a mortgage?

    The average amount of time it takes to refinance a mortgage is 45 days. In some cases, it may be possible to get it done faster. There also may be times when it takes longer to get a mortgage refinanced.