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Best Mortgage Refinance Companies in Garden Grove, CA

Our Recommended Top 10

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Garden Grove mortgage refinance companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

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10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1100 Town & Country, Suite 1250, Orange, CA 92868
WebsiteLicense: 965211

Expertise.com Rating

Review Sources

Google
5.0 (311)
Yelp
4.9 (52)
Facebook
5.0 (8)

Why choose this provider?

Coastal Pacific Lending serves families in the Garden Grove community. It helps clients refinance various primary and investment property types, including condominiums, townhouses, single-family and multi-family homes, and manufactured homes. It offers cash-out refinance solutions that result in better interest rates and equity from the real estate. It also assists with home purchases with a personalized approach. Coastal Pacific Lending has been in the industry for over 20 years, catering to clients in Arizona, California, Colorado, and Texas.

  • New Construction
  • Reverse Mortgages

8900 Warner Avenue, Fountain Valley, CA 92708
WebsiteLicense: 240415

Expertise.com Rating

Review Sources

Yelp
4.8 (518)
Google
4.9 (394)
Facebook
4.8 (21)

Why choose this provider?

Optimum First Mortgage has funded over $10 billion in loans for over a decade of service. It caters to clients in Garden Grove interested in mortgage refinancing. The loan option allows borrowers to lower their monthly mortgage payments or shorten their loan terms. It is also an ideal choice for people looking to have some cash at hand for home renovation or to consolidate high-interest debts. Optimum First Mortgage is led by Matthew Dohman, a mortgage industry old hand, and Robert Drenk, a veteran of the RV business.

  • Reverse Mortgages

2700 N. Main Street Suite 761, Santa Ana, CA 92705
WebsiteLicense: 256271

Expertise.com Rating

Review Sources

Facebook
5.0 (17)
Google
5.0 (15)

Why choose this provider?

0pointLoan.com caters to the residents in Garden Grove, providing home financing solutions tailored to their needs. Primary associate Jay Patel is a certified mortgage consultant and broker who has worked with thousands of homeowners to refinance their mortgage loans. He offers options for 30-year and 15-year mortgage plans. Patel and his team closed a total of over $1 billion in loans. 0pointLoan.com maintains a partnership with the National Association of Mortgage Brokers, Fannie Mae, and Freddie Mac.

  • New Construction

888 S Disneyland Dr, Ste 109, Anaheim, CA 92802
WebsiteLicense: 1132440

Expertise.com Rating

Review Sources

Google
5.0 (63)
Yelp
5.0 (14)

Why choose this provider?

One True Loan is a residential mortgage agency serving the people of Garden Grove and nearby areas. It helps clients with active loan access and manages their home equity and cash out for their own personal purposes. Its mortgage professionals offer advice and support at every stage of the loan process, from quotation and application through closing and loan financing. Other lending programs available are conforming, super conforming, jumbo, FHA, and VA. The One True Loan team has been working in the mortgage sector for over 25 years.

  • Reverse Mortgages

Garden Grove, CA
WebsiteLicense: 1860778

Expertise.com Rating

Review Sources

Google
5.0 (133)
Facebook
5.0 (26)

Why choose this provider?

24/7 Mortgage Corporation guides homeowners and buyers in Garden Grove through the refinancing process to reduce their interest rates. It offers various mortgage options, including fixed-rate, adjustable-rate, and interest-only, as well as VA and FHA loans. Its loan officers combine modern technologies, including an online calculator, and their knowledge of the industry to simplify the mortgage process and achieve the goal of homeownership. 24/7 Mortgage Corporation operates in several states, including Texas, Nevada, and Utah.

  • New Construction
  • Reverse Mortgages

9550 Warner Ave Ste 300, Fountain Valley, CA 92708
WebsiteLicense: 1934039

Expertise.com Rating

Review Sources

Google
4.7 (131)
Facebook
4.9 (46)
Yelp
4.2 (5)

Why choose this provider?

Choice Home Mortgage is a family-operated brokerage firm serving borrowers from Garden Grove and the surrounding areas. Its offices are based in multiple locations across California. It offers a variety of flexible mortgage products, including cash-out refinancing. Clients have the option to choose fixed rates between 15 and 30 years. Choice Home Mortgage also offers assistance for new purchases, conventional mortgages; non-QM mortgages; FHA loans; and VA mortgages, as well as hard money lending on investment properties.

10161 Bolsa Ave, #205B, Westminster, CA 92683
WebsiteLicense: 1206739

Expertise.com Rating

Review Sources

Google
5.0 (17)

Why choose this provider?

Americoast Realty & Lending is a mortgage company that serves the clients of Garden Groves and its nearby areas. It offers refinancing solutions to homeowners who are looking to reduce their interest rates, change the length of their term or take some cash out from their home's equity. Its loan officers use industry-standard resources to educate property owners through the refinance process, from application to closing. Other mortgage options available are fixed-rate, adjustable rate, conventional, VHA, FA, and jumbo loans.

  • New Construction

12881 Knott Street #102, Garden Grove, CA 92841
WebsiteLicense: 1977377

Expertise.com Rating

Review Sources

Google
5.0 (104)
Yelp
5.0 (79)
Facebook
5.0 (10)

Why choose this provider?

Dang Mortgage Team serves Garden Grove clients who are looking to buy, sell, or refinance their dream homes. It helps them compare, choose, and apply for loan products, as well as overcome obstacles along the way. The agency offers various loan types that can be used for purchasing homes and consolidating debts, such as fixed-rate, adjustable-rate, and reverse mortgages, in addition to FHA, VA, and USDA loans. Previous clients praised the Dang Mortgage Team for being knowledgeable and keeping them updated throughout the homebuying process.

  • Commercial Loans
  • New Construction
  • Reverse Mortgages

1740 West Katella Ave. Suite B, Orange, CA 92867
WebsiteLicense: 1181829

Expertise.com Rating

Review Sources

Google
4.9 (133)

Why choose this provider?

First Place Home Loans, Inc., is a mortgage company that serves the Garden Grove metro. It offers mortgage refinancing schemes to clients that result in lower payments and fixed rates and cash-out gains to be used for college, home improvements, or consolidating debt. Its home equity conversion mortgage caters to individuals over 62 years old. The firm comprises a team of loan officers with more than two decades of collective experience in the mortgage lending industry.

  • Reverse Mortgages

17272 Newhope Street, Suite J, Fountain Valley, CA 92708
WebsiteLicense: 362428

Expertise.com Rating

Review Sources

Google
5.0 (30)
Yelp
5.0 (11)
Facebook
5.0 (2)

Why choose this provider?

Orange County Mortgage has been providing services to homeowners and real estate investors in Garden Grove since 1999. It specializes in helping clients change their loan terms, lower their interest rates, eliminate mortgage insurance, and remove a co-borrower by offering refinancing services. Its team conducts a home refinancing process, which involves comparing loan offers and assessments to identify suitable programs for clients. The agency is also available to serve individuals wishing to purchase homes through loan options like FHA, VA, jumbo, and reverse mortgage.

  • New Construction
  • Reverse Mortgages

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
Coastal Pacific Lending
1100 Town & Country, Suite 1250, Orange, CA 92868
Optimum First Mortgage
8900 Warner Avenue, Fountain Valley, CA 92708
0pointLoan.com
2700 N. Main Street Suite 761, Santa Ana, CA 92705
One True Loan
888 S Disneyland Dr, Ste 109, Anaheim, CA 92802
24/7 Mortgage Corporation
Garden Grove, CA
Choice Home Mortgage
9550 Warner Ave Ste 300, Fountain Valley, CA 92708
Americoast Realty & Lending
10161 Bolsa Ave, #205B, Westminster, CA 92683
Dang Mortgage Team
12881 Knott Street #102, Garden Grove, CA 92841
First Place Home Loans
1740 West Katella Ave. Suite B, Orange, CA 92867
Orange County Mortgage
17272 Newhope Street, Suite J, Fountain Valley, CA 92708

Garden Grove, CA Mortgage Refinance FAQs

  • How important is underwriting in mortgage refinancing in Garden Grove?

    Underwriting plays a crucial role in mortgage refinancing, just as it does in the initial mortgage application process. Underwriting is the thorough evaluation of a Garden Grove borrower's financial situation, credit history, and the property being financed to determine whether the borrower qualifies for a mortgage loan or refinancing. The underwriting process also involves an appraisal to get the most recent value of a residential property.

  • Is it possible for Garden Grove homeowners to utilize a reverse mortgage for refinancing?

    Yes, a reverse mortgage can be used for refinancing, although the process might be a bit different from traditional mortgage refinancing. By granting access to hard-earned home equity, a reverse mortgage enables Garden Grove homeowners to settle their current mortgage. The surplus funds remaining after clearing the original mortgage can then be employed according to their preferences.

  • How much does it cost to refinance a mortgage in Garden Grove and the state of California?

    The cost of mortgage refinancing in both Garden Grove and throughout California differs for each application. Typically, individuals looking to refinance their homes should expect a range of $2,800 to $3,800, contingent upon factors such as the loan size and program. By familiarizing themselves with the refinancing procedure and making adequate preparations, borrowers can avoid excessive fees, potentially saving thousands of dollars.

  • What are the essential refinancing services that a competent Garden Grove mortgage broker should provide?

    Mortgage brokers operating in Garden Grove need to provide an extensive array of refinancing solutions to address the varied requirements of their clients. This encompasses the provision of a comprehensive mortgage strategy to help borrowers effectively manage their mortgage-related decisions and financial goals. They must also have a mortgage calculator to assist borrowers in comparing different options by considering factors, such as interest rates and other important variables.

  • Is pre-approval a part of the mortgage refinancing process in Garden Grove?

    Mortgage refinancing typically involves a similar process to obtaining an initial mortgage in Garden Grove, which often includes pre-approval. Pre-approval is the process by which lenders evaluate borrowers' financial situation, creditworthiness, and other relevant factors to determine the maximum amount they would be willing to lend for a mortgage refinance.