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Best Mortgage Refinance Companies in Santa Maria

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Central Coast Lending with Mike Poyntz logo

Central Coast Lending with Mike Poyntz

1319 Marsh St, San Luis Obispo, CA 93401
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  • New Construction
  • Reverse Mortgages

Central Coast Lending with Mike Poyntz serves clients in the Santa Maria metro. Mortgage lender Poyntz assists homeowners who wish to refinance their current loans to obtain more flexible monthly payments and lower rates. He also provides the necessary support for first-time home buyers applying for FHA or FHA 203k, VA, jumbo, or conventional mortgages. He is dedicated to making the borrowing procedure simple for his clientele. Poyntz has a bachelor's degree in risk management and finance.

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EquityReach Mortgage  & Franchise Solutions logo

EquityReach Mortgage & Franchise Solutions

567 Camino Mercado Suite C, Arroyo Grande, CA 93420
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  • New Construction
  • Reverse Mortgages

EquityReach Mortgage & Franchise Solutions has been serving Santa Maria residents since 1990. It is a mortgage company based in Arroyo Grande that helps individuals obtain cash-out and refinance loans. Its team provides a variety of loan programs, including FHA, VA, USDA, jumbo, and conventional conforming loans. Fixed-rate and HomePath mortgages are also available. In addition, the firm provides financial coaching services. Its founder, Mark Frassica, is a Certified Reverse Mortgage Advisor and Certified Mortgage Planner.

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Leachman Home Loans logo

Leachman Home Loans

100 E Ocean Avenue, Lompoc, CA 93436
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  • Reverse Mortgages

Leachman Home Loans is a full-service brokerage that covers refinancing applications from clients in Santa Maria. Its mortgage manager service allows applicants to gauge potential financial choices that grant opportunities for debt payments, home equities, and improved monthly settlements. Its consultants are available on a 24-hour basis for inquiries, concerns, and reviews of various alternatives that are canvassed from different lenders. They also conduct regular assessments of local property values and interest rates to help clients adjust their planned and existing loans.

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Mickey Hellman logo

Mickey Hellman

125 Union Ave, Suite 102A, Orcutt, CA 93455
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  • New Construction

Mickey Hellman is a mortgage broker with Edge Home Finance Corporation. His clients include Santa Maria residents who are considering replacing their outstanding mortgage with a different program that better suits their financial situation. He completes a refinance analysis to determine whether customers qualify for getting a lower interest rate, building home equity, or taking cash out of the mortgage. VA, FHA, jumbo, conforming, fixed-rate, and adjustable-rate loans are among the services provided by Hellman.

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Mike Henson logo

Mike Henson

132 Bridge Street, Arroyo Grande, CA 93420
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  • New Construction
  • Reverse Mortgages

Mike Henson is a certified mortgage advisor who caters to borrowers in Santa Maria. He has been in the industry since 1993 and currently works under Kings Mortgage Services, Inc., where he provides personalized mortgage solutions. Henson offers a variety of loan options, including USDA, FHA, VA, and jumbo loans. He develops a strategy around the borrower's chosen loan program to provide them with financial peace of mind and help alleviate their debt. Henson also offers fixed-rate and adjustable-rate mortgages.

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Novel Home Loans logo

Novel Home Loans

722 E. Main St. Suite 105, Santa Maria, CA 93454
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  • New Construction
  • Reverse Mortgages

Novel Home Loans works with people throughout the Santa Maria metro. It assists individuals in refinancing their loans on properties like townhouses, condominiums, and manufactured homes. It has experience helping individuals with two mortgages. The company also guides homebuyers and investors through the financing process and offers a range of programs, from fixed-rate loans to adjustable-rate mortgages. For military veterans aiming to fulfill the goal of homeownership, the company provides mortgages guaranteed by the Veterans Administration.

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Pacific Trust Mortgage logo

Pacific Trust Mortgage

735 Tank Farm Rd. Suite 210, San Luis Obispo, CA 93401
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  • Reverse Mortgages

Pacific Trust Mortgage has been handling the refinancing needs of customers in and around Santa Maria since 2002. The firm offers a wide selection of refinancing options for clients, including fixed-rate and adjustable-rate mortgages and FHA and VA home loans. Additionally, its loan consultants assist clients in selecting programs that meet their specific needs and situations. An array of loan options are also available for those seeking to buy their first homes or investment properties.

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Santa Fe Mortgage logo

Santa Fe Mortgage

203 B North H St., Lompoc, CA 93436
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  • New Construction
  • Reverse Mortgages

Santa Fe Mortgage is a local brokerage that serves Santa Maria and the surrounding areas. Its team of experts helps clients finance their homes through various mortgage products. They handle various loan types and, through their refinance programs, help adjust rates, lower payments, and consolidate debt. The company's president, Fred Bittle, has over two decades of industry experience and is fluent in Spanish. He works with the local community as a member of the Lompoc Valley Chamber of Commerce.

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Spinnaker Financial logo

Spinnaker Financial

120 Dandelion Lane, Templeton, CA 93465
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  • Reverse Mortgages

Spinnaker Financial provides a variety of home loan options to residents of Santa Maria and the surrounding areas. The company has been in business for over 30 years, assisting clients in understanding their home financing options and matching them with a program that meets their specific needs and preferences. Among its most popular programs are conventional, FHA, and VA loans. Spinnaker Financial's mortgage officers also assist clients with refinancing to lower their current interest rates.

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Veterans Lending Group logo

Veterans Lending Group

1111 S Broadway Suite 111, Santa Maria, CA 93454
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  • New Construction
  • Reverse Mortgages

Veterans Lending Group helps Santa Maria homeowners refinance their mortgages to a more favorable term or lower interest rate, allowing them to save significant amounts of money over the life of their loans. Its loan officers also help clients change their financing to free up cash for college tuition, home renovation, or unexpected home repair. Veterans Lending Group is dedicated to serving military families by meeting their VA cash-out refinance needs. Since its inception, the company has assisted more than 5,000 military families.

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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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