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2024

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Best Mortgage Refinance Companies in Thousand Oaks

Our Recommended Top 11

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Thousand Oaks Mortgage Refinance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

78Reviewed

51Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
2655 First St #220, Simi Valley, CA 93065
  • Residential Mortgages
  • Home Loans
  • New Construction
  • Reverse Mortgages

Why choose this provider?

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.

License Verified:

License: 347051

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 (113)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
100 East Thousand Oaks Blvd Suite 161, Thousand Oaks, CA 91360

Why choose this provider?

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.

License Verified:

License: 364342

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 (17)
Facebook
5.0 / 5 (7)
Yelp
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

Website
200 N Westlake Blvd. Suite 203, Westlake Village, CA 91362

Why choose this provider?

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.

License Verified:

License: 227765

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
Facebook
5.0 / 5 (41)
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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.

License Verified:

License: 163400

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.
3.8
Google
3.5 / 5 (6)
Facebook
5.0 / 5 (6)
Yelp
1.0 / 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

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

Why choose this provider?

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.

License Verified:

License: 309234

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 (20)
Google
5.0 / 5 (15)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
3285 Old Conejo Road, Thousand Oaks, CA 91320
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Capstone Direct offers refinancing solutions to Thousand Oaks residents. It helps increase financial flexibility by arranging low-interest rates; reducing or extending payment terms; and switching adjustable rates to fixed options. In addition, the company offers a variety of loan programs, including FHA, jumbo, VA, and HELOC. Since 2007, Capstone Direct has funded over $2 billion in loans. It aims to empower the local community and businesses by initiating foster care initiatives, such as advocacy, parenting and fundraising, and providing financial and advisory support to RaisingHope Inc.

License Verified:

License: 236109

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.
4.8
Google
4.9 / 5 (155)
Yelp
4.5 / 5 (25)
Facebook
4.9 / 5 (20)

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

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

Why choose this provider?

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.

License Verified:

License: 1776391

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 (6)

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

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

Why choose this provider?

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.

License Verified:

License: 296950

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 (59)
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

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

Why choose this provider?

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.

License Verified:

License: 1522058

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 (21)

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

Website
31351 Via Colinas #205, Westlake Village, CA 91362
  • Commercial Loans

Why choose this provider?

MainStreet Mortgage serves clients across the Thousand Oaks community and the surrounding areas. It strives to assist individuals and families in obtaining mortgage refinancing or purchasing loans suitable for their needs, helping them achieve their personal and financial goals. Its team works with first-time homebuyers and established homeowners. It also handles the mortgage needs and concerns of senior citizens seeking long-term financial stability. The company has helped clients purchase real estate properties ranging from studio condominium units to luxury homes.

License Verified:

License: 287902

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
4.9 / 5 (27)
Facebook
5.0 / 5 (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
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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.

License Verified:

License: 241533

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)
Facebook
5.0 / 5 (30)

FAQs

  • 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.
  • When should you consider a no-cost mortgage refinance in Thousand Oaks?

    You may want to take out a no-cost mortgage refinance if you expect to own your Thousand Oaks house for less than five years or if you lack the funds to close on a purchase. You will need to agree to a slightly higher rate than a typical no points mortgage, which is typically between 0.25% to 0.50% higher, in order to achieve a no closing cost refinance.

  • Should you refinance your Thousand Oaks mortgage if you are already in the 15th year of your 30-year loan?

    No, if you have already reached the 15th year of your 30-year mortgage, you shouldn't refinance your Thousand Oaks mortgage. This is due to the fact that a sizable amount of your payment is now going toward principal rather than interest if you are currently between ten and 20 years into a 30-year mortgage. Refinancing now to get a lower rate but extending the term again would probably wind up costing you more in future.

  • What is the purpose of a break-even analysis in a Thousand Oaks mortgage refinance?

    In a mortgage refinance in Thousand Oaks, the break-even analysis is a quick and easy technique to determine whether the costs of your new house loan will be recovered in a reasonable amount of time. For instance, the new refinance house loan has charges of $3,875 but you can expect to save $300 a month as a result of the transaction. You get 12.91 when you divide $3,875 by $300. This indicates that it will take thirteen months to recover the cost, and that you won't start to see the true savings from the transaction until the 14th month.

  • How much time does it take to refinance a mortgage in Thousand Oaks?

    Several refinance mortgages in Thousand Oaks may require 30 to 45 days to be closed, however, there are outliers if your finances are complicated or you're refinancing during a period of high demand. You can speed up the application process by gathering and scanning documents like income verification and tax returns.

  • Will a mortgage refinance in Thousand Oaks assist in eliminating your private mortgage insurance?

    Yes. A mortgage refinance in Thousand Oaks can help you eliminate your private mortgage insurance while also lowering your overall monthly payment because rates have fallen and home values have increased. It's important to keep in mind that numerous loans include a "seasoning requirement" that mandates waiting at least two years before refinancing to remove PMI.

  • 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.