Best Mortgage Refinance Companies in Carlsbad, CA

DG Funding is an independent mortgage bank that has been developing refinance processes for clients in Carlsbad for over 13 years. The agency has direct access to a variety of loan programs, including FHA, jumbo, Fannie Mae, Freddie Mac, and VA. It also gives families access to a carefully selected group of correspondent, wholesale, and portfolio lenders. DG Funding is an NMLS-licensed company that has assisted over 2,200 households and has financed over $1 billion in loans.

Home Mortgage Experts is a family-owned company that serves customers in Carlsbad and nearby areas. It offers a comprehensive approach to refinancing, helping property owners with debt consolidation and cash-out. It also assists in getting lower rates and monthly payments. It additionally works on VA financing for veterans and their families. Home Mortgage Experts provides various loan types, including FHA, USDA, conforming, jumbo, and reverse mortgages. The firm was established in 2009 by Dale Knott, who also conducts loan offer audits.

OneTrust Home Loans caters to the financial needs of Carlsbad home buyers, providing them with the information and advice they need in choosing the right program. It delivers various loan products such as FHA, VA, USDA, jumbo financing, and down payment assistance. In addition to government-provided plans, the company offers portfolio loans: fix and flip for home flippers, bank statement loan programs for clients with no standard nine-to-five jobs, and construction home loans for individuals looking to build homes.

Bluefire Mortgage is a boutique residential mortgage lender that serves homebuyers in the Carlsbad metro. It provides borrowers with customized solutions that fit their unique situations and needs. Its agents strive to empower borrowers by guiding them through the whole loan process. They offer clients conventional, VA, Jumbo, FHA, fixed-rate, and adjustable-rate mortgage loans. Borrowers looking for better rates and terms can seek their services for refinancing options. Bluefire Mortgage aims to provide clients with timely results and open communication lines.

North Coast Financial is a hard money lender that offers cash-out refinance loans to homeowners and property developers in Carlsbad. It offers cash-out refinance on investment property and hard money refinance for an owner-occupied primary residence. The company also offers a variety of other hard money loans, including bridge, probates and estates, trust, fix and flip, and asset-based loans. Don Hensel, the managing broker, has been in the business since 1979 and has helped the company fund over $800 million in real estate loans.

MortgageOne-Carlsbad helps people in the metro and the surrounding areas get loans tailored to their homeownership goals. It offers mortgage refinancing options, including FHA, VA, and cash-out, as well as fixed-rate and adjustable-rate loans. Its founder, Bryce Schetselaar, started his career in the mortgage industry as a loan originator with Bank of America during college. He aims to offer a positive customer experience by simplifying complex financial transactions. MortgageOne is licensed to do business in 23 states, including Arizona and Utah.

Steve Hougard Loans is a mortgage company serving local residents in the Carlsbad area and its neighboring communities. It guides clients during the home refinancing process, whether clients are seeking to enroll in a jumbo or conforming loan program. It also helps individuals achieve their homeownership goals by handling tasks, like ordering property appraisals, retrieving credit information, and overseeing loan approvals. Steve Hougard Loans was established in 1987 and has a closing ratio of 96%.

MH Loans is a family-run full-service lending firm that caters to customers in the Carlsbad metro and nearby areas. It has refinancing plans available with either fixed or adjustable rates, and for arrangements like a 5% down. Since 1995, the firm has served owners and buyers of in-park manufactured and mobile homes. It is both registered in NMLS and DRE and is an Equal Housing Opportunity Participant. MH Loans also operates in Florida and Texas.

RealMortage is a group of mortgage brokers, loan officers, and loan originators utilizing the latest technology to deliver loan programs, refinancing, and application assistance to clients in Carlsbad and nearby areas. The company is headed by Daniel Ramirez, a mortgage loan originator since 2003. His team helps clients refinance their mortgages through rate/term and cash-out options. Its process involves an initial mortgage refinance analysis which reviews employment background, verifies assets, checks credit standing, and reviews documents.

MortgageWrite provides home financing solutions to clients in and around Carlsbad. It offers an array of mortgage programs, including conventional refinance, intended for borrowers with active loans and planning to cash out their home equity or modify their loan terms and rates. Its specialists also help first-time homebuyers determine their loan eligibility and find the programs that best fit their needs. Roxana E., the agency's head of loan advising, worked for correspondent lenders, credit unions, and banks for 20 years.