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Best Mortgage Refinance Companies in Huntington Beach, CA

Our Recommended Top 7

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Huntington Beach 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.

107Reviewed

67Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

8092 Warner Ave., Huntington Beach, CA 92647
WebsiteLicense: 1524948

Expertise.com Rating

Review Sources

Google
5.0 (74)
Facebook
5.0 (9)
Yelp
5.0 (5)

Why choose this provider?

Brighter Lending is a full-service residential mortgage banker delivering refinance solutions to residents in California and 11 other states including Texas, Florida, Arizona, Washington, Tennessee, Oregon, Colorado, Utah, Idaho, Wyoming, and Michigan. 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.

  • Home Loan Purchases
  • Reverse Mortgages

16480 South Harbor Boulevard, Fountain Valley, CA 92708
WebsiteLicense: 291386

Expertise.com Rating

Review Sources

Yelp
4.5 (22)
Facebook
5.0 (2)

Why choose this provider?

Brymus Capital Inc. is a mortgage and real estate brokerage that serves clients in Huntington Beach. The company offers several purchase loan programs such as FHA, VA, USDA, HomePath, jumbo mortgage, and conventional loans. It also offers mortgage refinancing programs that include FHA streamline refinancing, FHA cashout, FHA 203k, VA streamline refinancing, and USDA streamline refinancing. The owner, Blaise Bryant, founded the company in 2005. He is a broker and has been in the residential lending business since 1998.

  • Reverse Mortgages
  • NMLS #: 39166

5772 Bolsa Avenue, Huntington Beach, CA 92649
WebsiteLicense: 238166

Expertise.com Rating

Review Sources

Yelp
4.0 (11)

Why choose this provider?

Stratis Financial Corporation is a mortgage refinance company that helps homeowners afford their dream house. Servicing the area of Huntington Beach, it offers mortgage rate options ranging from fixed-rate, adjustable ARM, interest-only, and graduated payments. Its team of loan specialists provides a variety of loan programs that caters to each individual's needs. These include FHA home loans, USDA loans, and jumbo loans. Military veterans can also apply for a VA loan with low interest and no downpayment.

  • NMLS #: 39166

17111 Beach Boulevard, Huntington Beach, CA 92647
WebsiteLicense: 926951

Expertise.com Rating

Review Sources

Yelp
5.0 (10)
Google
4.7 (9)

Why choose this provider?

Alliance West Financial is a mortgage refinance company servicing the Huntington Beach Area. It specializes in refinance and loan options including adjustable-rate mortgage, FHA loan, VA loan, and jumbo mortgage loan. Its professional team assists in closing real estate listings, home purchases, and debt consolidation. Alliance West Financial keeps up with evolving technological advancements that make it more efficient in ensuring lower rates and faster close times. At the core of the company's operations is the preservation of the trust that the clients bestow on its experts.

  • NMLS #: 39166

17011 Beach Blvd, STE 900, Huntington Beach, CA 92646
WebsiteLicense: 2225182

Expertise.com Rating

Why choose this provider?

MakeWay Mortgage addresses the real estate needs of individuals and families in and around Huntington Beach. It provides refinancing solutions to help clients acquire their dream condominiums, manufactured homes, townhouses, and single- and multi-family homes. The team helps customers develop strategies on how they can reduce their interest rates and monthly payments, consolidate their debts, and improve their FICO scores. MakeWay Mortgage also processes an selection of mortgage products, including conventional, new construction, and FHA loans.

  • Reverse Mortgages

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

Expertise.com Rating

Review Sources

Yelp
5.0 (418)

Why choose this provider?

Optimum First Mortgage is a firm that helps homeowners in Huntington Beach and the surrounding areas get mortgage refinancing loans. It offers several options on its fixed-rate mortgage, which can be taken over eight to 30 years, in increments of two and five years. In addition, the company's hybrid ARMs have fixed payments available from one to 10 years. The company also offers government-backed loans, including FHA and VA. Since its inception, Optimum First Mortgage has helped in funding over 20,000 mortgages.

  • Reverse Mortgages
  • NMLS #: 39166

2130 Main Street, Huntington Beach, CA 92648
WebsiteLicense: 339255

Expertise.com Rating

Review Sources

Yelp
5.0 (88)
Google
5.0 (79)
Facebook
5.0 (21)

Why choose this provider?

Summit Lending is a locally-owned and operated mortgage refinance company founded by broker Lisa Alley in 2005. It provides families and individuals in Huntington Beach and surrounding areas with various refinancing solutions, including conventional loans backed by government-sponsored entities. Its process allows clients to complete a refinance analysis and then be given options based on criteria and rates. Summit Lending also provides loan options, including FHA, VA, jumbo, 203K, and USDA, and also assists in HARP loans under the Federal Housing Finance Agency.

  • Reverse Mortgages
  • NMLS #: 39166

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
Brighter Lending
8092 Warner Ave., Huntington Beach, CA 92647
Brymus Capital Inc.
16480 South Harbor Boulevard, Fountain Valley, CA 92708
Stratis Financial - Huntington Beach
5772 Bolsa Avenue, Huntington Beach, CA 92649
Alliance West Financial
17111 Beach Boulevard, Huntington Beach, CA 92647
MakeWay Mortgage
17011 Beach Blvd, STE 900, Huntington Beach, CA 92646
Optimum First Mortgage - Corporate Headquarters
8900 Warner Avenue, Fountain Valley, CA 92708
Summit Lending
2130 Main Street, Huntington Beach, CA 92648

FAQs

  • 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.
  • Is a conventional mortgage a suitable choice for refinancing in Huntington Beach?

    Yes. It can be a suitable refinancing option for homeowners who own at least 20% of the property, eliminating the need for private mortgage insurance. This mortgage allows borrowers to remove a co-borrower from the title, secure a lower interest rate, withdraw equity funds, and shorten the loan period. However, this option has stricter credit requirements compared to other refinancing loans. Applicants must have a 620 minimum credit score and a debt-to-income (DTI) ratio of no more than 50%.

  • What requirements should veterans meet to qualify for a VA Rate and Term Refinance or VA Interest Rate Reduction Refinance Loan (IRRRL) in Huntington Beach?

    Both the VA Rate and Term Refinance and IRRRL demand veterans and active duty military members in Huntington Beach to possess a minimum credit score of 580, adhere to a maximum debt-to-income (DTI) ratio of 60%, and maintain a maximum loan-to-value (LTV) ratio of 100%. While those opting for Rate and Term Refinance must additionally undergo income verification and appraisals, the VA IRRRL omits these prerequisites, as they exclusively apply to existing VA loans.

  • Are homes in Huntington Beach expensive?

    Yes. Based on a money.com report, Huntington Beach ranks among the top 10 U.S. cities where the majority of homes are sold at $1 million and above. The article highlights that the median home price in the locality stands at $1.1 million, surpassing figures for Glendale, Los Angeles, and San Diego.

  • Is there a waiting period for refinancing the mortgage on your second home in Huntington Beach after purchasing it?

    Yes. Specific loans, such as FHA, VA, and conventional loans, need a six-month waiting period before Huntington Beach homeowners can engage in cash-out refinancing for their second homes. While there are alternative options that do not set a time limit on second home refinancing, they impose more stringent requirements compared to primary mortgages.

  • What are ways to get a tax deduction from a cash-out refinance in Huntington Beach?

    In Huntington Beach, borrowers have opportunities for tax deductions from a cash-out refinance by investing the funds into significant improvements that boost their property's value. Purchasing mortgage points during the cash-out refinance can also make homeowners eligible for deductions. Additionally, if the funds are used to establish a home office, a portion of property taxes, mortgage interest, and utility expenses can be written off as business-related costs.

  • 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.