Best Mortgage Refinance Companies in Vista

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America One Mortgage Group logo

America One Mortgage Group

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

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.

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Aramco logo

Aramco

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

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Bluefire Mortgage logo

Bluefire Mortgage

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

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.

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MH Loans logo

MH Loans

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

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.

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Nico Romero logo

Nico Romero

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

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.

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Progressive Mortgage Solutions logo

Progressive Mortgage Solutions

5257 Rosewood Drive, Ocean Side, CA 92056
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  • Reverse Mortgages

Progressive Mortgage Solutions caters to clients in Vista and the surrounding areas. It aids borrowers in finding a refinancing program that allows them to convert their homes' equity into cash and obtain a lower rate or monthly payment. Its loan specialists also assist first-time homebuyers with the lending process and help them make informed purchasing decisions. Progressive Mortgage Solutions has been in business for more than 20 years, helping people achieve their homeownership goals and improve their financial stability.

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Secured Lending Group logo

Secured Lending Group

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

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.

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Stone Bridge Mortgage logo

Stone Bridge Mortgage

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

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.

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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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