Best Mortgage Refinance Companies in Santa Monica

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Equitable Lending logo
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License Verified:

License: 1124483

Nationwide Multistate Licensing System and Registry

Equitable Lending

2824 South Robertson Boulevard, Los Angeles, CA 90034
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  • Reverse Mortgages

Business Description

Equitable Lending provides home financing solutions to clients in and around Santa Monica. It works with individuals and families who wish to refinance their existing mortgages to adjust loan rates or term lengths. A refinance program also lets borrowers cash out equity, which they can use to pay off debts or renovate homes. The company's professionals advise and assist loan applicants through the borrowing procedures, from asset and income verification to paperwork processing and loan closing.

License Verified:

License: 1124483

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 (50)

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
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Equitable Lending

Jenica Pivnik logo
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License: 2171726

Nationwide Multistate Licensing System and Registry

Jenica Pivnik

Santa Monica, CA
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  • New Construction

Business Description

Jenica Pivnik is a mortgage loan originator with L.A. Mortgage, Inc., serving clients in Santa Monica and the nearby areas. She offers mortgage refinancing services for clients looking to change the loan terms and rates of an existing property, with some options providing cash out from equity. She carries jumbo, FHA, VA, and bank statement loan options. Pivnik has been in the real estate industry for over two years, with experience as an escrow officer and manager who has helped clients navigate complex transactions.

License Verified:

License: 2171726

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

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We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
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Jenica Pivnik

LoanEnvy logo
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License Verified:

License: 1197078

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LoanEnvy

145 S. Fairfax Ave. Ste 200, Los Angeles, CA 90036
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  • New Construction

Business Description

LoanEnvy is a mortgage brokerage firm serving the Santa Monica metro and nearby locations. It addresses the lending concerns of individual homebuyers, builders, and real estate professionals. The company offers refinancing assistance to help clients acquire their dream investment spaces. Its team assists borrowers in creating solutions to consolidate debts and reduce monthly payments and interest rates. It also processes FHA, VA, jumbo, and conventional loans. Founder Randall Thomas has been a mortgage professional since 2002.

License Verified:

License: 1197078

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
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5.0 / 5 (1)
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LoanEnvy

Private Money Solutions logo
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License: 364405

Nationwide Multistate Licensing System and Registry

Private Money Solutions

Santa Monica, CA
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  • New Construction

Business Description

Private Money Solutions serves the locals of Santa Monica and the surrounding areas. It provides mortgage refinancing services in the form of hard money lending based on the equity of the property. Clients whose credit scores are too low for bank programs, whose tax returns do not qualify them for a bank loan, and those who need to close quickly are catered to by its professionals. Private Money Solutions is a family-owned business that has funded over $1 billion in loans since 2001.

License Verified:

License: 364405

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

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
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Private Money Solutions

The Mortgage Source, Inc. logo
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License: 356705

Nationwide Multistate Licensing System and Registry

The Mortgage Source, Inc.

13107 Ventura Blvd. Ste. 210, Studio City, CA 91604
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  • New Construction

Business Description

The Mortgage Source, Inc., helps the people of Santa Monica with mortgage refinancing. It is a boutique mortgage broker that has been specializing in single-family homes and two- to four-unit properties since 1992. The president of the firm, Victor Benoun, has over 36 years of lending experience. He strives to make the home buying and refinancing process easier for clients by giving them access to tools and resources that will help them estimate their mortgage payments.

License Verified:

License: 356705

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
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The Mortgage Source, Inc.

Vaneh Hartouni logo
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License Verified:

License: 1972071

Nationwide Multistate Licensing System and Registry

Vaneh Hartouni

14724 Ventura Blvd Suite 775, Sherman Oaks, CA 91403
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  • Multi-Family Loans

Business Description

Vaneh Hartouni is a mortgage loan originator who caters to clients in Santa Monica and nearby areas. He helps individuals realize their homeownership dreams by offering mortgage refinancing options. These allow them to consolidate debts from credit cards, convert their ARMs to a fixed-interest rate mortgage, lower their interest rates and monthly payments, make investments from the cash proceeds, and purchase other properties. Hartouni is affiliated with Option One Lending, which has been in business since 2004.

License Verified:

License: 1972071

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
Google
5.0 / 5 (15)
Facebook
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
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Vaneh Hartouni

Vantage Home Loans logo
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License: 1394651

Nationwide Multistate Licensing System and Registry

Vantage Home Loans

145 S Fairfax Ave #200, Los Angeles, CA 90036
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  • New Construction
  • Reverse Mortgages

Business Description

Vantage Home Loans is a mortgage firm that serves clients in and around the greater Santa Monica metro. The firm provides a selection of refinancing services to help clients with their goals, whether they wish to avail of lower loan interest rates, decrease their monthly mortgage payments, or take cash out of their home's equity. It also provides home purchase loan options for people wishing to acquire a new house. Vantage Home Loans is certified by the NMLS.

License Verified:

License: 1394651

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.
4.6
Google
4.9 / 5 (43)
Yelp
5.0 / 5 (17)
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Vantage Home Loans

Westside Mortgage Group logo
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License Verified:

License: 1799965

Nationwide Multistate Licensing System and Registry

Westside Mortgage Group

100 Wilshire Blvd Ste 700, Santa Monica, CA 90401
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  • New Construction

Business Description

Since its inception, Westside Mortgage Group has closed mortgages on behalf of over 300 clients in Santa Monica and the surrounding communities. In addition to assisting first time home buyers in purchasing residences and investment properties, the company helps homeowners to refinance their existing mortgages. Its products include FHA loans, interest-only mortgages, jumbo loans, and adjustable-rate mortgages. Owner and mortgage broker Brian Guth has over 20 years of experience in the real estate investing and finance industry.

License Verified:

License: 1799965

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)

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
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––
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Westside Mortgage Group

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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.

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