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Best Mortgage Refinance Companies in Tustin

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2023
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Equinox Home Financing logo
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License Verified:

License: 1212805

Nationwide Multistate Licensing System and Registry

Equinox Home Financing

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17291 Irvine Blvd Suite 400, Tustin, CA 92780
  • New Construction

Business Description

Equinox Home Financing offers various home loan programs to individuals, families, and real estate investors in Tustin. The business provides home purchasing and refinancing solutions that meet the client's specific needs and situations. It assists self-employed borrowers who lack tax returns by using their bank statements for loan qualification. For customers lacking financial documentation, its staff guides them through the no-income loan option. Equinox Home Financing aims to make the process accessible to clients by providing online tools, including home value estimates and refinancing analysis.

License Verified:

License: 1212805

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
4.8 / 5 (366)
Facebook
4.9 / 5 (85)

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
Responsiveness
Friendliness
Helpfulness
Detail
––
Express Capital logo

License Verified:

License: 206752

Nationwide Multistate Licensing System and Registry

Express Capital

2552 Walnut Ave Ste 220, Tustin, CA 92780
  • New Construction

Business Description

Express Capital offers assistance to Tustin homeowners who want to consider mortgage refinancing. With a collective mortgage experience of over seven decades, its management team members have the expertise to give clients a seamless loan experience. Express Capital has been providing lending solutions since 2004. Its loan programs include jumbo, conventional, FHA, VA, and investment property loans. It seeks to offer the best mortgage products available in the market by working with various groups of lenders.

License Verified:

License: 206752

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 (66)
Yelp
5.0 / 5 (17)
Facebook
5.0 / 5 (8)

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
Jay Rodriguez logo

License Verified:

License: 902610

Nationwide Multistate Licensing System and Registry

Jay Rodriguez

1805 E. Garry Avenue, Santa Ana, CA 92705
  • New Construction

Business Description

Jay Rodriguez serves individuals in Tustin who are looking to refinance to get a lower interest rate. He is a full-time mortgage broker for Arbor Financial Group, a company that works with over 75 lending institutions across the country. He leverages his industry experience of over 10 years by helping clients get past red tape in the mortgage process. Other services provided include reverse mortgage assistance. Rodriguez is a member of the National Association of Hispanic Real Estate Professionals.

License Verified:

License: 902610

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.
4.5
Yelp
4.5 / 5 (11)

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
Lendia logo
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License Verified:

License: 295073

Nationwide Multistate Licensing System and Registry

Lendia

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1913 E 17th St Suite 109, Santa Ana, CA 92705
  • New Construction

Business Description

Lendia is a residential mortgage company that walks clients through the process of purchasing, refinancing, or investing in a home in Tustin and the surrounding areas. Its loan officers help clients obtain a lower interest rate or take out cash from their equity by refinancing their existing mortgage into a new VA streamline or cash-out refinance. Conventional and government-backed FHA loans are also available for those purchasing a home for the first time or as an investment property.

License Verified:

License: 295073

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 (41)
Rate Plus logo
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License Verified:

License: 1230949

Nationwide Multistate Licensing System and Registry

Rate Plus

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18012 Cowan, Suite 200, Irvine, CA 92614
  • New Construction
  • Reverse Mortgages

Business Description

Rate Plus is a mortgage brokerage company serving individuals and families in and around the Tustin community. It helps clients obtain lower interest rates and maximize their home equity through various refinancing options. Its team has different loan programs for clients who are looking to purchase new houses for an upgrade or investment. Rate Plus has more than 30 years of experience in the home lending industry and is a member of the Mortgage Bankers Association.

License Verified:

License: 1230949

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 (63)

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
RWB Lending logo

License Verified:

License: 1488745

Nationwide Multistate Licensing System and Registry

RWB Lending

2522 Chambers Rd., Tustin, CA 92780
  • Reverse Mortgages

Business Description

RWB Lending provides mortgage services to individuals and families throughout the Tustin metro. It offers various loan options with fixed and adjustable rates, including FHA and VA. These options allow clients to purchase homes suitable for their budgets and goals. In addition to home purchase mortgages, the company assists homeowners in applying for equity loans to help them obtain cash for home improvement, debt consolidation, or vacation funds. One of its team members, Alex Zelada, brings two decades of mortgage experience.

License Verified:

License: 1488745

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 (62)
Yelp
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
Santiago Financial, Inc. logo
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License Verified:

License: 302948

Nationwide Multistate Licensing System and Registry

Santiago Financial, Inc.

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161 Fashion Lane, Suite 206, Tustin, CA 92780
  • Reverse Mortgages

Business Description

Santiago Financial, Inc., is a manufactured home loan firm catering to residents in Tustin. The company assists mortgage borrowers who own homes of different ages, possess various scores of credit, and come from diverse financial backgrounds. Its team of professionals custom-tailors refinancing options to help homeowners maximize program benefits. Santiago Financial has been serving the community for over 40 years and can serve clients in Spanish. In addition, it offers solutions for mobile home and land owners.

License Verified:

License: 302948

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.
4.2
Google
4.4 / 5 (96)
Facebook
4.5 / 5 (73)
Yelp
3.5 / 5 (41)

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
Responsiveness
Friendliness
Helpfulness
Detail
––
The Taylor Weiner Team logo
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License Verified:

License: 263090

Nationwide Multistate Licensing System and Registry

The Taylor Weiner Team

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16400 E Pacific Coast Hwy, Huntington Beach, CA 92649
  • New Construction
  • Reverse Mortgages

Business Description

The Taylor Weiner Team serves the residents of Tustin and the surrounding communities. It helps clients obtain financial products that suit their needs when refinancing or purchasing homes. It assists individuals in applying for fixed-rate, adjustable-rate, FHA, VA, jumbo, and USDA loans. The company also offers reverse mortgages for homeowners aged 62 and older. One of the agency's loan officers, Dilza Herrod, has more than 12 years of industry experience and is fluent in both English and Spanish.

License Verified:

License: 263090

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 (48)
Facebook
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
TransUnited Financial Services, Inc. logo

License Verified:

License: 349801

Nationwide Multistate Licensing System and Registry

TransUnited Financial Services, Inc.

17341 Irvine Blvd, Tustin, CA 92780
  • New Construction

Business Description

TransUnited Financial Services, Inc., serves locals in Tustin who need refinancing and mortgage products. The team reforms existing obligations to expedite the swift fulfillment of debts, and it has programs fit for first-time homebuyers and those who are upgrading to their dream houses. The company has web-based resources and forms available for download and conducts the application process online. TransUnited Financial Services employs Spanish-speaking staff to facilitate transactions with clients who speak English as a second language.

License Verified:

License: 349801

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
United Finance Corporation logo
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License Verified:

License: 1572922

Nationwide Multistate Licensing System and Registry

United Finance Corporation

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17822 17th St. Suite 110, Tustin, CA 92780
  • New Construction

Business Description

United Finance Corporation is a direct lender that offers a range of refinancing solutions to homeowners in Tustin. It has cash-out refinance options for those who want to fund home improvements, invest in a new property, or fund a vacation and other major expenses. Additionally, the team provides debt consolidation for homeowners seeking a new loan with friendlier terms to pay off high-interest credit cards and other debts. United Finance Corporation also assists with FHA, conventional, VA, jumbo, and non-QM loans.

License Verified:

License: 1572922

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
Responsiveness
Friendliness
Helpfulness
Detail
Vision Quest Lending logo
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License Verified:

License: 1097640

Nationwide Multistate Licensing System and Registry

Vision Quest Lending

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2860 Michelle Drive, Irvine, CA 92606
  • New Construction

Business Description

Vision Quest Lending caters to clients throughout the Tustin metro. The company advises existing homeowners looking to refinance their mortgages to achieve financial goals like lowered interest rates. It provides an online refinance calculator that visualizes the impact of the client's decision on their finances. The company also deals with aspiring homeowners and offers various programs from different government agencies, including the FHA and VA. These include an FHA 203K loan, a solution that allows borrowers to finance home improvement projects.

License Verified:

License: 1097640

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
4.8 / 5 (26)
Facebook
5.0 / 5 (18)

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
West Capital Lending logo
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License Verified:

License: 1005393

Nationwide Multistate Licensing System and Registry

West Capital Lending

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202 Fashion Ln Ste. 223, Tustin, CA 92780
  • Commercial Loans

Business Description

West Capital Lending is a Tustin-based wholesaler delivering refinancing solutions to homeowners in the metro. Its loan officers assess clients' existing loans to create strategies that help them secure lower interest rates, reduce monthly payments, or gain cash. Through multiple investor options, they find the refinancing programs suited for each borrower's needs and goals. The company has been serving the community since 2016. Co-founder Eric Hines has counseled over 1,000 families on refinancing loans and purchasing homes.

License Verified:

License: 1005393

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 (559)
Yelp
4.5 / 5 (66)
Facebook
5.0 / 5 (11)

Frequently Asked Questions

  • 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.
  • 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.

  • How does mortgage refinance work?

    The mortgage refinance process begins with choosing a broker and filling out loan application information. The process continues through underwriting and closing. The new mortgage is then used to pay off and close your original mortgage loan. This leaves you with a new loan and mortgage payment to manage each month.

  • When should you refinance a mortgage?

    If your credit score has improved or mortgage interest rates have dropped, refinancing can potentially save you money. Other reasons to refinance your mortgage include getting a fixed rate instead of an adjustable one or getting a shorter loan term. An increase in your home’s value that can let you access more equity is another reason to refinance.

  • How much does it cost to refinance a mortgage?

    The average cost to refinance a mortgage is $5,000. This amount varies, based on the state and county where the property is located and the loan amount. Common fees incurred when refinancing a mortgage include:

    • Appraisal fee
    • Broker’s fee
    • Credit check fee
    • Loan application fee
    • Recording fee
    • Title search and insurance fee

  • How soon can you refinance a mortgage?

    Some lenders make borrowers wait a minimum of six months before accepting a new mortgage refinancing application. However, when that happens, borrowers can check with other lenders to find one that doesn’t require a wait before refinancing. A mortgage refinance broker can guide you to lenders that allow immediate refinancing.

  • How long does it take to refinance a mortgage?

    The average amount of time it takes to refinance a mortgage is 45 days. In some cases, it may be possible to get it done faster. There also may be times when it takes longer to get a mortgage refinanced.