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Best Mortgage Refinance Companies in Westminster

2024

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Providers

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Website
9081 Bolsa Ave Ste 205, Westminster, CA 92683
  • New Construction

Why choose this provider?

Wynn Mortgage Inc. serves locals in Westminster who need loans and refinancing. The team switches out current obligations with fresh alternatives that have less burdensome terms and conditions. It has mortgage products fit for buyers of condominiums and single-family properties. These options include reverse mortgages for the elderly members of the community. Online resources and tools are on hand to advise buyers on matters such as periodic dues and asset appraisals. The company has funded over $150 million in loans.

License Verified:

License: 1644881

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
Google
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
17011 Beach Blvd Suite 900, Huntington Beach, CA 92647
  • Reverse Mortgages

Why choose this provider?

Morningstar Mortgage, established in 1994, caters to people in the Westminster area and the surrounding metros. It helps homeowners convert their adjustable rate mortgages to fixed-rate ones, pay off installment debts and credit cards, and reduce their interest costs by offering refinancing loans. Some of the loan products it provides include FHA, VA, and reverse mortgages. Bill Gaffney, the firm's president, is a Certified Mortgage Planning Specialist who has been working in the industry since 1987.

License Verified:

License: 241680

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.
4.7
Google
5.0 / 5 (11)
Yelp
3.0 / 5 (2)

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
10161 Bolsa Ave, #205B, Westminster, CA 92683
  • New Construction

Why choose this provider?

Americoast Realty & Lending caters to homeowners in Westminster and the surrounding areas who need help with refinancing to reduce the interest rate on their mortgage. Committed to providing its clients with guidance that would lead them to making the best choice, its team lays out and discusses the differences between mortgage options, such as FHA, VA, and jumbo loans. The company also extends its services to first-time homebuyers. It offers 15- and 30-year fixed mortgages.

License Verified:

License: 1646106

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
5.0 / 5 (17)
Yelp
4.5 / 5 (12)

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
7755 Center Ave. 11th Floor, Huntington Beach, CA 92647
  • New Construction

Why choose this provider?

Advanced Horizon is a Huntington Beach-based brokerage that serves people in Westminster who seek to refinance their mortgages. Its loan originators give financial recommendations after evaluating an applicant's credit score, income situation, and down payment sources for mortgage funding. The company canvasses its refinancing options using information concerning a client's specific goals for debt payments, monthly settlement reductions, and property development projects. It also has jumbo and USDA loans available for those who wish to purchase new properties.

License Verified:

License: 2030129

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 (13)

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
9550 Warner Ave Suite 300, Fountain Valley, CA 92708
  • Reverse Mortgages

Why choose this provider?

Choice Home Mortgage provides refinancing options to Westminster-based residents. These loan programs include rate and term refinancing, as well as cash-outs. Non-QM, jumbo, FHA, VA, and conventional loans are among the other services provided by the company. Choice Home Mortgage also works with Rocket Mortgage, Penny Mac, Longbridge Financial, Change Wholesale, FundLoans, and Angel Oak. It has an extra payment mortgage refinance calculator on its website to assist with new loan estimates. In addition, the online mortgage learning center provides visitors with access to industry-related articles.

License Verified:

License: 1934039

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
4.7 / 5 (122)
Facebook
4.9 / 5 (50)

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
12362 Beach Blvd. Ste 20, Stanton, CA 90680
  • New Construction

Why choose this provider?

Century Home Lending is an independent mortgage brokerage serving Westminster residents. It works with refinancing homeowners to achieve different goals, from modifying loan terms and lowering monthly payments to consolidating debt. It also offers purchase loans, such as conventional, FHA, and Jumbo. Loans are personally handled by a loan officer throughout the process, so the client has a single point of contact. Century Home Lending is partnered with multiple national investors, which helps reduce lender fees. It strives to close loans within 30 days.

License Verified:

License: 292770

Nationwide Multistate Licensing System and Registry

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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
8942 Garden Grove Blvd Siote 207, Garden Grove, CA 92844
  • New Construction

Why choose this provider?

America Smart Home Loans offers customized services in the Westminster metro and nearby areas. It caters to individuals and families who want to purchase different types of residential properties, such as condominiums, single- and multi-family homes, townhouses, and manufactured homes. The company helps investors and buyers create refinancing strategies to change loan terms, reduce interest rates and monthly payments, and consolidate debts. Its team also processes different mortgage programs, including jumbo, USDA, VA, and FHA loans.

License Verified:

License: 1630046

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 (1)

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
17011 beach blvd, ste 900, Huntington Beach, CA 92646
  • Reverse Mortgages

Why choose this provider?

MakeWay Mortgage is a family-owned lending business serving the refinancing goals of borrowers in Westminster. The company implements a variety of refinancing programs, from VA IRRRL and reverse mortgages to FHA streamline loans and cash-out options. Its loan officers assess borrowers' needs, find products suited for each client, and assist in every step of securing refinancing, from consultation to closing. MakeWay Mortgage is actively involved in community initiatives such as Olive Crest: Be the Miracle Wish Slips.

License Verified:

License: 2225182

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 (15)
Google
5.0 / 5 (6)
Yelp
5.0 / 5 (1)

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
9741 Bolsa Ave, Suite 215, Westminster, CA 92683
  • New Construction
  • Reverse Mortgages

Why choose this provider?

24/7 Mortgage helps locals in Westminster realize their dream of homeownership. It provides mortgage refinance assistance for those who want to lower their current interest rate, consolidate debt, or obtain cash from equity. For clients looking to buy a new home or investment property, jumbo, conventional, stated income, non-QM, and bank statement loans are available. It also assists in obtaining government loans like VA, FHA, and USDA. The company was established by Binh Tran, Huong Duong, and Peter Nguyen in 2018 until it grew to a 30-person team.

License Verified:

License: 1860778

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 (205)
Google
5.0 / 5 (62)
Facebook
5.0 / 5 (21)

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
12792 Valley View St., Suite H, Garden Grove, CA 92845
  • New Construction

Why choose this provider?

HomeSmart Advisors serves clients in Westminster who need mortgage and refinancing assistance. It rearranges current debts into less burdensome forms and offers loan options that range from adjustable-rate programs to those with fixed terms of up to 30 years. The company also has reverse mortgages for aging members of the community and government-backed choices for military veterans. HomeSmart Advisors is led by CEO and mortgage loan advisor Alejandro Ramirez, who has been in the lending sector for more than a decade.

License Verified:

License: 1866349

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 (54)
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
16151 Cache St, Fountain Valley, CA 92708
  • New Construction

Why choose this provider?

EE is a mortgage broker that facilitates programs and investment tools to meet the refinancing goals of homeowners in Westminster. The company helps individuals and families refinance their current loans to lower monthly payments, stop paying PMI, and cash out equity. Its team of professionals assists in navigating the refinancing process, from application and credit check to appraisal and closing. Additionally, these staff members guide borrowers in switching from an ARM to a fixed-rate mortgage or securing a reverse mortgage.

License Verified:

License: 1905090

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 (6)

Website
8907 Warner Ave, Suite 145, Huntington Beach, CA 92647
  • Reverse Mortgages

Why choose this provider?

CNB Mortgage is a lending company supporting the funding needs of homebuyers in Westminster. It has backed more than $150 million in loan transactions since its formation. The mortgage lender customizes loan terms to match homebuyers' current situations and financial goals. Its purchase and refinance programs include FHA, VA, USDA, and jumbo loans. CNB Mortgage has an online platform for encrypted submissions, pre-qualification and loan applications, and individualized digital quotes. Its loan officers troubleshoot discrepancies discovered during loan approval processing.

License Verified:

License: 1497386

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 (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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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 documentation will you need for your refinancing application in Westminster?

    After you have determined that mortgage refinancing is the right step for you, you may need to provide financial documents, such as your most recent tax returns, W-2 forms, bank statements, and proof of income such as pay stubs. You may also be asked to provide copies of your most recent mortgage statements.

  • What are the advantages of a 30-year conventional loan in Westminster?

    The main advantage of a 30-year conventional loan in Westminster is that you can avoid paying an upfront fee for mortgage insurance if you have a loan-to-value ratio of 80%. In a 30-year mortgage, you may also have financial flexibility as your monthly payments will be spread out and enable you to use your extra funds for other investment opportunities.

  • Will you need to secure home insurance if you want to apply for a mortgage loan in Westminster?

    State and federal laws do not require homeowners to have insurance, but you may need to secure home insurance if you are applying for a mortgage loan in Westminster. Lenders typically require borrowers to have at least basic home insurance before they can process your application. Typically, coverage for liability, personal property, and dwelling would be required.

  • Can you cancel your Private Mortgage Insurance in Westminster?

    You can cancel your Private Mortgage Insurance in Westminster once you have satisfied the required loan-to-value ratio. You may either make a request or you may also have an automatic cancellation of your PMI when your LTV reaches 80%. Cancellations can only happen if you have your monthly payments updated.

  • What types of mortgage refinancing options are available in Westminster?

    In Westminster, borrowers can choose among conventional home loan refinance programs, FHA streamline programs, VA refinancing programs, Home Affordable Refinance Program, and adjustable rate programs. You should match your financial goals to each of these options and determine which will suit your plans. For example, a fixed-rate mortgage is ideal for those looking for consistent payments made over a longer time frame.

  • 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.