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Best Mortgage Refinance Companies in Vista

2024

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Providers

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Website
1902 Wright Place, Suite 200, Carlsbad, CA 92008
  • Commercial Loans

Why choose this provider?

America One Mortgage Group caters to homeowners and prospective buyers in Vista and surrounding areas. It helps clients find home financing programs that meet their purchase, refinance, or investment goals. The company collaborates with multiple national lenders and banks to provide a wide array of products, such as fixed-rate, adjustable rate, FHA, and VA loans. Owner Mark Luciani has been in the industry since 1990 and has received several awards for his work as a mortgage broker.

License Verified:

License: 79460

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 (17)
Google
5.0 / 5 (15)
Facebook
5.0 / 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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
970 Los Vallecitos Blvd., San Marcos, CA 92069
  • Reverse Mortgages

Why choose this provider?

Stone Bridge Mortgage is a brokerage firm that caters to Vista residents. Since 2011, it has been providing a variety of refinancing solutions to help individuals and families acquire their dream residential properties. The company guides investors and buyers in creating strategies to lower monthly payments and comparing rates from different lenders and banks. It also offers mortgage programs, such as investment property, USDA, VA, FHA, jumbo, and fixed-rate loans. The team's experts have over 45 years of combined industry experience.

License Verified:

License: 1938081

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.
4.3
Google
4.3 / 5 (42)

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
150 E Broadway, Vista, CA 92084
  • Reverse Mortgages

Why choose this provider?

The Willson Team is a CrossCountry Mortgage-affiliated practice that has been serving clients in and around Vista. Its lending officers help clients make informed decisions about their home refinancing or financing loans by providing them with the knowledge and resources they need. They assist eligible borrowers through the entire application process and closing. Among the loan programs offered are VA, FHA, and conventional mortgages. Jeffrey Willson, the branch manager, is a U.S. veteran who has been in the mortgage industry for over 15 years.

License Verified:

License: 68758

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
5.0 / 5 (52)
Yelp
3.5 / 5 (5)

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
2173 Salk Ave. #250, Carlsbad, CA 92008
  • New Construction

Why choose this provider?

RealMortgage is a company that provides refinancing solutions to residents of Vista. Its team of finance officers helps homeowners who want to reduce monthly payments, shorten terms, or build more equity and avail of refinance loans. It also offers FHA, VA, jumbo, FHA 203K, USDA, and HARP loans. It has 15- and 30-year fixed rates and adjustable-rate mortgages. The company believes in providing compassionate and transparent service and provides clients with free online tools to streamline the application process.

License Verified:

License: 1612358

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 (57)
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
450 S Melrose Dr., Suite 114, Vista, CA 92081
  • New Construction

Why choose this provider?

Nico Romero is a mortgage loan originator with Equity Smart Home Loans, Inc., serving clients in Vista. He helps make the loan process simple for every client when purchasing or refinancing a home, especially when dealing with a ton of paperwork. He offers a standard 30-year fixed-rate mortgage with a consistent interest rate and fixed monthly payments. Nico recommends this loan for clients who intend to live in the house for at least seven years. Other loan options are 15-year mortgage, FHA, and VA loans.

License Verified:

License: 2048883

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 (8)
Facebook
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
2121 Palomar Airport Road Ste #150, Carlsbad, CA 92011
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Bluefire Mortgage is a boutique residential lender offering various loan options to clients in Vista and the surrounding areas. Its team assists people considering a mortgage refinance through conventional loans and FHA and VA streamline programs. The company also provides financing solutions for new real estate purchases, including jumbo loans to fund higher-end properties. In addition, Bluefire assists active and former military officers, as well as those who have recovering credit, in achieving their homeownership goals.

License Verified:

License: 323026

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 (127)
Yelp
4.5 / 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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
935 W. San Marcos Blvd. Suite 100, San Marcos, CA 92078

Why choose this provider?

Aramco is a firm that serves customers in Vista and nearby areas who want to obtain mortgage refinancing. It aims to streamline the mortgage refinance process by providing clients with all the information they need and giving them a variety of loan options. It offers VA loans and reverse mortgages. Borrowers have the option to process their applications online. The family-owned and family-operated firm has been helping people with home purchase and refinance needs since 1998.

License Verified:

License: 277316

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 (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
2244 Faraday Avenue Suite 92, Carlsbad, CA 92008
  • New Construction

Why choose this provider?

MH Loans is a family business that serves the mobile home loan needs of residents in Vista and nearby areas. Its team works with owners and first-time homebuyers looking into various manufactured home financial services, such as new mobile home mortgages and refinancing. It helps structure appropriate mortgage alternatives for mobile homes since there are numerous possibilities and price points. The company's management team has 50 years of combined experience matching buyers and owners of prefabricated homes with financing choices.

License Verified:

License: 296451

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
Facebook
4.8 / 5 (17)
Google
5.0 / 5 (14)

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
380 S Melrose Dr. Suite #381, Vista, CA 92081
  • Multi-Family Loans

Why choose this provider?

Secured Lending Group is a boutique mortgage company that caters to first-time homebuyers and long-time owners in Vista and its neighboring areas. It provides an array of refinancing options to help clients lower their interest rates, consolidate debts, and pay off their mortgages faster. These include fixed-rate and adjustable-rate mortgages as well as FHA and VA loans. Jumbo, rehab, and USDA loans are also available. Its team members carry more than 35 years of collective experience in the industry. They are a DBA of E Mortgage Home Loans Inc.

License Verified:

License: 1556596

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.
3.6
Google
3.6 / 5 (10)

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
2424 Vista Way Suite 105, Oceanside, CA 92054
  • New Construction

Why choose this provider?

Pacific Coast Home Mortgage provides loan programs to clients in Vista. It helps homeowners determine if mortgage refinancing suits their financial needs and offers them various refinance solutions. Its mortgage experts work with clients who want to change their adjustable-rate mortgage, save money from their monthly dues, take advantage of current lower mortgage rates, and explore other financial opportunities refinancing might bring. The company recognizes the need to walk its clients carefully through the loan process and helps them make well-informed decisions for their families.

License Verified:

License: 237888

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)
Yelp
5.0 / 5 (37)

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.
  • What debt-to-income ratio can earn you good interest rates when you refinance in Vista?

    A debt-to-income ratio of not more than 36% can help you secure better rates from lenders in Vista. However, if you have a ratio of more than 36%, it does not mean you can no longer refinance your loan. Your interest rates will only be higher. Some of the ways you can lower the debt-to-income ratio are by paying off car loans before applying for refinancing and having a co-borrower on your loan.

  • Do lenders require title insurance when you refinance a home loan in Vista?

    Yes because lenders want to protect their interests in the new loan through title insurance. Even if your original home mortgage in Vista was insured by the lender, the policy was terminated when you refinance. There are ways for you to obtain discounts or get a short-term rate on title insurance during a refinance. This is when you refinance under the same lender. Check with lenders on these options.

  • Are there differences in how much payout you can get from a primary home or an investment property for conventional cash-out refinance in Vista?

    For conventional cash-out refinancing, you can refinance up to 80% of your primary home's value, while for an investment property, it is up to 75%. A maximum loan amount of around $900,000 is the limit for this type of loan in Vista. Generally, a credit score of 620 or more is required under this loan as well as a debt-to-income ratio of less than 50%. An appraisal is also warranted, although there are some cases an automated appraisal can be approved.

  • Can a refinance in Vista affect your monthly mortgage payments?

    It depends on your goals and the refinance type. If you refinance to have a lower interest rate, your monthly mortgage payments can decrease. If you choose to shorten your mortgage term, you could pay higher monthly mortgage premiums. When you opt to cash out your refinance, your monthly payments will depend on the principal amount's increase.

  • Would refinancing a VA loan in Vista require less paperwork?

    If you opt to have a Veteran Affairs Interest Rate Reduction Refinancing Loan in Vista, there are some documents you do not need to submit. These are the Certificate of Eligibility, credit reports, and employment verification. Documents for the verification of income may also not be needed, and these include bank statements. Another advantage of this loan is that it does not require an appraisal process.

  • 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.