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Best Mortgage Refinance Companies in Tustin

2024

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Providers

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

Why choose this provider?

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 (65)
Yelp
5.0 / 5 (17)
Facebook
5.0 / 5 (9)

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

Why choose this provider?

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
Facebook
5.0 / 5 (30)
Yelp
5.0 / 5 (14)
Google
4.8 / 5 (9)

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
2860 Michelle Drive, Irvine, CA 92606
  • New Construction

Why choose this provider?

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

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

Why choose this provider?

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)

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

Why choose this provider?

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.
2.3
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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)

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

Why choose this provider?

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

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

Why choose this provider?

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

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

Why choose this provider?

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

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

Why choose this provider?

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.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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

Website
17341 Irvine Blvd, Tustin, CA 92780
  • New Construction

Why choose this provider?

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

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 much can an individual receive from a conventional cash-out refinance in Tustin?

    In a conventional cash-out refinance, Tustin residents can get up to 80% of their home's value and monthly mortgage payments. For example, a property owner with $500,000 in equity can get a conventional refinance loan up to $400,000 in size. However, the borrower in Tustin must subtract the amount owed on their mortgage to determine how much they can withdraw, so if they have a current mortgage balance of $150,000, they can withdraw a maximum of $250,000.

  • Why do individuals need a good credit score to apply for mortgages in Tustin?

    Borrowers in Tustin with good credit, including amounts owed, types of credit, and payment history, can get the best interest rate and mortgage terms. A good credit score reflects a borrower's ability to repay debts and can assist lenders in determining whether they are worth the risk. A conventional mortgage in Tustin requires applicants to have a minimum credit score of 620, whereas government programs, such as FHA and VA, require a minimum credit score of 500 to 680.

  • Are individuals with a student loan allowed to apply for an FHA loan in Tustin?

    Individuals with student loans in Tustin can still apply for an FHA loan if their backend debt-to-income ratio is less than 43%. For example, if they earn $5,000 per month, their total student loan debt, including a possible mortgage, cannot exceed $2,150. To qualify for an FHA loan in Tustin, the borrower's student loan must also be in repayment.

  • Where to file a complaint against a mortgage company in Tustin?

    Victims of financial fraud or scams perpetrated by a Tustin mortgage company may file a complaint with the Department of Financial Protection & Innovation (DFPI). They can discuss the problem by calling the administrative agency's toll-free number at 866-275-2677 or submitting a complaint form on their website. The DFPI will then investigate the dispute and take appropriate enforcement action, such as suspending the respondent's license, levying penalties, or prohibiting the individual from participating in a regulated sector in Tustin.

  • What are the requirements to apply for the CalHFA VA program in Tustin?

    Residents of Tustin who live in a property such as condominiums or single-family homes as their primary residence are eligible for the California Housing Finance Agency (CalHFA) VA program. Applicants must meet the income limit of $253,000, present a VA Home Loan Certificate of Eligibility, and complete the homebuyer education counseling course. CalHFA requires first-time homeowners in Tustin to complete the eHome's eight-hour homebuyer education and counseling course online or in person at any HUD-approved housing counseling agency.

  • 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.