Best Mortgage Refinance Companies in Thousand Oaks

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Amerifund logo

Amerifund

2655 First St #220, Simi Valley, CA 93065
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  • New Construction
  • Reverse Mortgages

Since its inception in 2004, Amerifund has been operating under the commitment of changing the complex home loan process to an educational one while providing clients with expert guidance in choosing a suitable loan. It delivers tailored mortgage loans and refinancing plans to individuals in Thousand Oaks and assists them throughout the loan process, from documentation and underwriting to disclosure. Additionally, the company carries reverse mortgages for senior citizens and HELOC loans for property owners looking to improve their residences or consolidate debts.

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David Honda logo

David Honda

4353 Park Terrace Drive, #100, Westlake Village, CA 91361
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  • New Construction

David Honda is a senior loan officer at CSMC Mortgage, serving clients in the Thousand Oaks metro. The company has mortgage refinancing solutions to help people interested in purchasing houses or condos lower interest rates, shorten the term of loans, or switch from adjustable-rate to fixed-rate mortgages. It also offers VA and first-time home buyer loan programs. A client commended Honda for answering phone meetings to discuss and explain refinancing programs and options even at night.

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Dignified Home Loans, LLC logo

Dignified Home Loans, LLC

1 Baxter Way, Suite 120, Westlake Village, CA 91362
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  • New Construction
  • Reverse Mortgages

Dignified Home Loans, LLC, caters to clients in and around Thousand Oaks. The company assists homeowners throughout the process of refinancing their mortgages. It offers the FHA Streamline Program, a way for individuals to decrease their interest payments without the need for additional appraisals. The company also sets up reverse mortgages to help senior homeowners fund their retirement expenses. Dignified Home Loans has been operating since 2010. It employs a team with more than a century of collective industry experience.

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Donna Krieger-Pearson logo

Donna Krieger-Pearson

41 Teasdale Street, Thousand Oaks, CA 91360
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  • New Construction
  • Reverse Mortgages

Donna Krieger-Pearson is a mortgage broker and owner of the Mountain Mortgage Company, which serves the residents of Thousand Oaks and throughout the state. She helps first-time homebuyers, real estate investors, and move-up homebuyers replace existing mortgage loans with new ones to reduce interest rates and cash out of their home equity. In addition, Donna assists people 62 years or older in obtaining reverse mortgage loans, allowing them to stay in their homes without having to access their home equity.

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Great American Funding Corporation logo

Great American Funding Corporation

3835 E. Thousand Oaks Blvd. Suite R-552, Westlake Village, CA 91362
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  • Reverse Mortgages

Great American Funding Corporation has been serving individuals and families in Thousand Oaks and surrounding communities since 1977. The team helps residents refinance their homes and reduce mortgage payments by providing customized programs for their personal needs. Its crew offers a variety of loan options, such as conventional, conforming, FHA, jumbo, and VA mortgages. The company extends its services to self-employed clients by aiding them in acquiring documents and gaining approval for their loan applications.

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LowerMortgage.net logo

LowerMortgage.net

100 East Thousand Oaks Blvd Suite 161, Thousand Oaks, CA 91360
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LowerMortgage.net is a full-service firm that caters to borrowers in Thousand Oaks. It works with people who want to refinance their mortgage or purchase a loan. The firm offers various loan options while educating clients on the different mortgage types to help them make informed decisions. It has worked with over 3,000 clients in its 29 years of service in the community. It also maintains affiliation with organizations like the Greater Conejo Valley Chamber of Commerce and Rotary International.

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Option Funding logo

Option Funding

4165 East Thousand Oaks Blvd, Ste 260, Westlake Village, CA 91362
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  • New Construction

Option Funding has been assisting individuals and families in Thousand Oaks since 2002. It assists clients in comparing and shopping for refinancing options that lower their monthly payments and shorten their terms. These include traditional fixed-rate, adjustable-rate, interest-only, and graduated payment mortgages. It also works with customers who have credit problems and self-employed people. The company guides local borrowers from pre-approval and selection of loan programs to verification of information and closing. In addition, it provides real estate investors with cash-out solutions to generate property cash flow.

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Pacific Oaks Mortgage logo

Pacific Oaks Mortgage

3655 E. Thousand Oaks Blvd, Westlake Village, CA 91362
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  • New Construction

Pacific Oaks Mortgage addresses the real estate needs of people in and around Thousand Oaks. Its team offers refinancing solutions to help individuals, families, and investors reduce their interest rates and monthly payments. The company processes customers' current appraisals and verifies their assets and income. It also caters to those who need home improvement, debt consolidation, and education fund refinancing services. Managing partner Diego Germann has been in the mortgage banking business for over 25 years.

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PCL Financial Group logo

PCL Financial Group

200 N Westlake Blvd. Suite 203, Westlake Village, CA 91362
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PCL Financial Group is a full-service mortgage lender that serves clients in Thousand Oaks and surrounding areas. It provides mortgage refinancing and it keeps complete control of the process including in-house underwriting, document drawing as well as funding. The lender works with CPAs, business managers, and other professionals, and has an appraisal management department that uses local experts. It also offers purchase, reverse mortgages, construction, and commercial property lending. Founder Mark Klein, a recovering CPA, began his mortgage career in 1992.

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PRMG Thousand Oaks logo

PRMG Thousand Oaks

223 Thousand Oaks Blvd #103, Thousand Oaks, CA 91360
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  • New Construction

PRMG Thousand Oaks is a team of mortgage professionals serving the metro. Its crew offers various options to homeowners who are refinancing their loans, including Freddie Mac, Fannie Mae, and Ginnie Mae products such as USDA, VA, and FHA mortgages. It also offers reverse, non-QM, jumbo, and renovation loan programs as financing options. The agency is a branch of Paramount Residential Mortgage Group, a private lender which has been in the industry for more than two decades.

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Rehaven logo

Rehaven

231 Village Commons Blvd UNIT 15, Camarillo, CA 93012
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  • New Construction
  • Reverse Mortgages

Rehaven is an independent mortgage brokerage firm assisting homebuyers in the Thousand Oaks metro and providing them with personalized home loan solutions. The agency helps customers refinance their mortgages to lower their monthly repayments or get better rates and terms. It also assists homeowners in accessing their homes' equity for cash. It offers first-time home buying and downpayment assistance programs, providing access to various loan products from different lenders. The firm is certified by the NMLS and can be contacted 24/7.

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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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