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Best Mortgage Refinance Companies in Torrance

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Blue Vista Mortgage logo

Blue Vista Mortgage

18321 S Western Ave, Ste J, Gardena, CA 90248
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  • New Construction

Blue Vista Mortgage is an independently owned and operated brokerage firm that serves individuals and families in Torrance and the surrounding areas. It helps clients lower their payments, consolidate their debt, and pull cash from their equity through mortgage refinancing programs. It offers VA IRRRL, VA refinance, and FHA Streamline Refinance programs. The firm also provides a wide assortment of home purchase loans. Branch Manager Michelle Ota has been working in the mortgage industry for over three decades.

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Cal Fed Mortgage logo

Cal Fed Mortgage

24214 Hawthorne Blvd., Torrance, CA 90505
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  • Reverse Mortgages

Cal Fed Mortgage provides services to homeowners and homebuyers in Torrance and the neighboring areas. It refinances mortgage loans to help clients meet their financial goals by reducing their monthly payments and lowering their interest rates. These refinance programs allow clients to cash out their equity to meet their home improvement, vacation fund, or debt consolidation needs. Cal Fed Mortgage is also available to serve individuals applying for mortgage loans. The company also handles commercial real estate funding for business owners or investors.

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Jack Skovgard logo

Jack Skovgard

1650 Ximeno Ave Ste 210, Long Beach, CA 90804
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  • Commercial Loans
  • New Construction

Jack Skovgard is a Long Beach Home Loan mortgage advisor who serves clients in Torrance-based communities. He employs a communication-based approach by working closely with clients to analyze their financial situations and credit scores and following up on their requirements. He and his team relay relevant information involving various refinancing choices, loan programs, and market rates to help applicants structure a plan that suits their goals. Skovgard also caters to real estate investors, first-time homebuyers, and seniors who are looking for reverse mortgage options.

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Mitch Chang logo

Mitch Chang

600 Anton Blvd Suite 1104, Costa Mesa, CA 92626
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  • New Construction

Nations Lending's Mitch Chang assists Torrance homeowners with refinancing. He offers loan options for different goals, from lowering interest rates and changing mortgage terms to taking cash out of the home's equity. Mitch also advises homeowners on how to structure their new financing to get a favorable deal and avoid mistakes and red tape. Recognizing the significance of timely loan closing, he follows up and keeps the client informed of the progress. Purchase loans are also available for first-time, move-up, and investment buyers.

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Realinterest Mortgage Brokers logo

Realinterest Mortgage Brokers

2370 West Carson Street #130, Torrance, CA 90501
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  • New Construction

Realinterest Mortgage Brokers is a family-owned business serving individuals and families in the Torrance metro. It provides cash-out refinance solutions to help clients improve or remodel their residential spaces. The company also assists customers in lowering their debt interest, increasing their emergency funds, and achieving their dream vacation. Its team offers various types of mortgage programs, such as FHA, VA, and conventional loans. Realinterest Mortgage Brokers has been in the industry for more than 15 years.

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Scott Lending Team logo

Scott Lending Team

939 E Santa Ana Blvd, Santa Ana, CA 92701
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  • New Construction
  • Reverse Mortgages

Scott Lending Team helps residents of Torrance achieve their homeownership dreams. Jeremy Scott leads the mortgage team at E Mortgage Capital that helps clients change the terms of their home loans and reduce their interest rates by offering fixed-rate, adjustable-rate, and conforming mortgages. His team gives financial advice based on changes in market conditions and mortgage programs to meet clients' unique needs and financial situations. E Mortgage Capital provides a mortgage calculator to help clients project their potential expenses.

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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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