Best Mortgage Refinance Companies in Westminster

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24/7 Mortgage logo
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License Verified:

License: 1860778

Nationwide Multistate Licensing System and Registry

24/7 Mortgage

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

Business Description

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
Google
5.0 / 5 (53)
Yelp
5.0 / 5 (18)
Facebook
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
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24/7 Mortgage

Advanced Horizon logo
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License Verified:

License: 2030129

Nationwide Multistate Licensing System and Registry

Advanced Horizon

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

Business Description

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

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
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Advanced Horizon

America Smart Home Loans logo
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License Verified:

License: 1630046

Nationwide Multistate Licensing System and Registry

America Smart Home Loans

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

Business Description

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
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America Smart Home Loans

Americoast Realty & Lending logo
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License Verified:

License: 1646106

Nationwide Multistate Licensing System and Registry

Americoast Realty & Lending

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

Business Description

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
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.
4.0
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––
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Americoast Realty & Lending

Brighter Lending logo
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License Verified:

License: 1524948

Nationwide Multistate Licensing System and Registry

Brighter Lending

8092 Warner Ave., Huntington Beach, CA 92647
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  • Reverse Mortgages

Business Description

Brighter Lending is a full-service residential mortgage banker delivering refinance solutions to residents in Westminster. Through refinancing mortgages, the company supports homeowners' financial goals, such as obtaining cashouts, lowering monthly payments, and shortening loan terms. Its professionals personalize services by offering digital assistants, providing estimation calculators, and addressing clients' concerns throughout the refinancing process. Brighter Lending has closed more than $2.4 billion in mortgages and served over 4,900 families. It is a Freddie Mac-approved and Fannie Mae-approved seller and servicer.

License Verified:

License: 1524948

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)

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
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Helpfulness
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Brighter Lending

Century Home Lending logo
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License Verified:

License: 292770

Nationwide Multistate Licensing System and Registry

Century Home Lending

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

Business Description

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

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 (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
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Century Home Lending

CNB Mortgage logo
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License Verified:

License: 1497386

Nationwide Multistate Licensing System and Registry

CNB Mortgage

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

Business Description

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

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
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CNB Mortgage

Morningstar Mortgage logo
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License Verified:

License: 241680

Nationwide Multistate Licensing System and Registry

Morningstar Mortgage

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

Business Description

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.
5.0
Google
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Visit Website

Morningstar Mortgage

Vantage One Mortgage logo
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License Verified:

License: 1257708

Nationwide Multistate Licensing System and Registry

Vantage One Mortgage

10161 Bolsa Avenue, Suite 207-A, Westminster, CA 92683
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  • New Construction

Business Description

Vantage One Mortgage serves clients in Westminster who need new home loans or refinancing services. Its team guides buyers through the process and paperwork involved in researching, selecting, and securing mortgages. It rearranges borrowers' current obligations to take advantage of lower rates that develop after a debt is originally inked. Cash-out refinance options are also available. Vantage One Mortgage is a local independent agency that counsels clients without any undue influence from any single lender.

License Verified:

License: 1257708

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 (1)
Visit Website

Vantage One Mortgage

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Frequently Asked Questions

What should you expect when refinancing a mortgage?

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.

How often should you refinance your mortgage?

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.

Can you refinance a first mortgage and not a second?

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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