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Best Mortgage Refinance Companies in Ventura

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Accelerated Lending Group logo

Accelerated Lending Group

6763 Sargent Lane, Ventura, CA 93003
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  • Commercial Loans

The Accelerated Lending Group helps Ventura residents, from first-time homebuyers to investors, with lending options such as FHA, USDA, and VA loans. The independent mortgage broker also serves current mortgagors, helping them restructure existing mortgages for lowered payment rates, shorter payment terms, or cash. One of its professionals, Andrew Kunisawa, has over a decade of industry experience, having worked in positions such as foreclosure specialist for Specialized Inc. and lending unit compliance writer for the Santa Barbara Bank & Trust.

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American Pacific Mortgage logo

American Pacific Mortgage

3 Lincoln Drive, Suite 3B, Ventura, CA 93001
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  • New Construction
  • Reverse Mortgages

American Pacific Mortgage accommodates applications related to refinancing and home loans from Ventura-based clients. Its process involves credit score reviews, marketing analyses, and interest rate comparisons that help applicants determine a refinancing option that suits their financial needs. It also has a mobile application where clients are given access to pre-approval documents, mortgage calculators, progress updates, and direct communication lines with their loan officers. Outside of their work, American Pacific Mortgage's agents participate in humanitarian outreach efforts and programs through APMCares and Love VC, Inc.

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Antonio Skeeters logo

Antonio Skeeters

Ventura, CA
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  • New Construction

Antonio Skeeters is a mortgage broker serving Ventura's future homeowners. He represents NEXA Mortgage, where he finds loans that fit the funding needs of homebuyers and delinquent borrowers. His refinancing solutions adjust monthly payments and terms and allow borrowers to take cash from equities. As a single parent, Antonio understands the impact of effective mortgage programs on the financial outlook of households. He looks for substitute loan options for individuals who failed in their previous applications. He has been working in the industry since 2004.

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Frank Salazar logo

Frank Salazar

2775 N Ventura Rd #102, Oxnard, CA 93036
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  • Reverse Mortgages

Frank Salazar is a loan officer with GEM Mortgage, a residential lender serving clients in Ventura. He helps homeowners and home buyers refinance their mortgages to reduce their interest rates or change the length of their loans. Frank and his mortgage team offer in-house underwriting and maintain a transparent relationship with clients, Realtors, and escrow companies. They have served more than 5,000 families and funded above $1 billion in total loans in over 20 years.

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Huntington Mortgage logo

Huntington Mortgage

305 Pasadena Ave., Ventura, CA 91030
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Huntington Mortgage serves clients in Ventura and the surrounding areas. It offers refinancing to owners and buyers of residential and commercial properties. A variety of loan options are available from the agency, including FHA, VA, RHS, conventional, home purchase, and jumbo loans. Huntington Mortgage is an affiliate of Huntington Group, which has been operating since 1978. Its owners, Avo Oughourlian and Jack Holwahjian, have worked in real estate financing for more than 30 years combined. Oughourlian also speaks Armenian.

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Loan Warehouse logo

Loan Warehouse

183 Montgomery Ave, 2nd Floor, Oxnard, CA 93036
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  • New Construction

Loan Warehouse is a mortgage broker that serves clients in Ventura and surrounding areas. Its team of loan consultants guides homeowners to a mortgage refinance option that fits their goals. It offers cash-out refinance for those seeking to take advantage of their home's equity and HARP 2.0 for underwater and near-underwater homeowners. The mortgage broker also assists with jumbo, FHA, VA, USDA, and 203k loans with terms from five to 30 years. Loan Warehouse provides HECM reverse mortgage loans as well.

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Marty Smith logo

Marty Smith

700 East Main Street, Ventura, CA 93001
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  • Reverse Mortgages
  • New Construction

Marty Smith is a mortgage professional at Capital Mortage Services that addresses the loan needs of first-time homebuyers and seasoned veterans in Ventura and its nearby communities. For more than 20 years, he has been providing reverse, adjustable rate, and 15-and 30-year fixed mortgages. He also offers different loan programs, including 203k, FHA, USDA, jumbo, and VA. One of his previous customers commended him on his constant communication throughout the application process and how he had educated them on the advantages and disadvantages of various loans.

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Smart Home Mortgage logo

Smart Home Mortgage

300 E. Esplanade Drive Ste. 105, Oxnard, CA 93036
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  • New Construction
  • Reverse Mortgages

Smart Home Mortgage is a brokerage agency that has been serving clients in Ventura and nearby areas since 2006. It offers mortgage refinancing solutions for better interest rates and to get cash out of equity. Its loan options include conventional, FHA, and VA for home purchases and refinancing. Smart Home Mortgage was founded by Larry Reyes and Staci Aguiar, two loan officers each with over 20 years of mortgage industry experience focusing on working-class families.

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Triple C Mortgage, Inc. logo

Triple C Mortgage, Inc.

138 N. 10th Street, Santa Paula, CA 93060
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  • New Construction
  • Reverse Mortgages

Triple C Mortgage, Inc., caters to clients in and around Ventura. It offers refinancing solutions covering different types of real estate, including townhouses, manufactured homes, condominiums, and single- or multi-family buildings. Its loan officers assist clients with their mortgage process to determine suitable options based on their financial conditions. Some of its programs include conventional, agency jumbo, and government home loan options. The options range from adjustable- or fixed-rate and interest-only to graduated payment mortgages.

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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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