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Best Mortgage Refinance Companies in Oceanside, CA

Our Recommended Top 13

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 Oceanside 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.

104Reviewed

67Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

701 Palomar Airport Road Suite 300, Carlsbad, CA 92011
WebsiteLicense: 1935776

Expertise.com Rating

Review Sources

Google
5.0 (24)

Why choose this provider?

America's Loan Advisors is a lending company that caters to clients in the Oceanside area and surrounding communities. It has mortgage refinancing in its portfolio, which comes highly recommended according to client testimonials raving about the firm's efficiency. America's Loan Advisors is a husband-and-wife team of Mortgage Loan Originators who have been in the industry for more than 30 years. It has a streamlined process in which clients can gain a cash buyer's transactional advantage. NMLS-registered, the firm is also an Equal Housing Opportunity Lender.

  • New Construction
  • Reverse Mortgages

5810 El Camino Real, D, Carlsbad, CA 92008
WebsiteLicense: 1885084

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Great Rate Home Loans provides services to clients in Oceanside and its surrounding areas. It offers home mortgage refinancing to reduce interest rates, lower monthly amortization, or cash out from the client's home's equity. It also processes loans for home purchases. The company provides real-time rates from lenders to create a refinancing plan that fits the needs and financial capacity of the client. For the convenience of its customers, the company has made available an online loan application platform.

  • Reverse Mortgages

5860 Owens Ave., Carlsbad, CA 92008
WebsiteLicense: 1945764

Expertise.com Rating

Review Sources

Google
5.0 (10)

Why choose this provider?

David Todd is a MortgageOne consultant and production manager who provides loaning and refinancing choices for clients in the Oceanside area. His client-centered approach involves close consultations that focus on decision-making involving an applicant's goals for refinancing, like home equity cash-outs. His selection of programs involves 15- and 30-year fixed mortgages, as well as 203k, HARP, and jumbo loan plans. He offers recommendations with varying terms and interest rates that are adjusted based on current property values and mortgage conditions in the local region.

  • Reverse Mortgages

2244 Faraday Avenue Suite 92, Carlsbad, CA 92008
WebsiteLicense: 296451

Expertise.com Rating

Review Sources

Facebook
4.8 (17)
Google
5.0 (15)

Why choose this provider?

MH Loans is a full-service lending company that caters to clients in the Oceanside area and surrounding communities. It offers mortgage refinancing for in-park manufactured and mobile homes. Other services include escrow accounts maintenance, and manufactured homes construction and retailing. MH Loans has been in the industry for more than 25 years. Its mobile home financing solutions are also available to clients based in Texas and Florida. NMLS-registered, MH Loans is also a member of the California Escrow Association and the California Association of Realtors.

  • Commercial Loans

2121 Palomar Airport Road Ste #150, Carlsbad, CA 92011
WebsiteLicense: 323026

Expertise.com Rating

Review Sources

Google
5.0 (129)
Yelp
4.5 (9)

Why choose this provider?

Bluefire Mortgage offers loan refinancing options to customers in Oceanside. The firm helps borrowers refinance their mortgage loans to pay off their mortgage faster, lower their monthly payments and interest rates, and remove or lower private mortgage insurance payments. Bluefire Mortgage is a small-scale residential mortgage lender located in Carlsbad. It aims to make sure that borrowers feel empowered throughout the loan process by giving weekly status updates and keeping all lines of communication open.

  • New Construction

150 E Broadway, Vista, CA 92084
WebsiteLicense: 68758

Expertise.com Rating

Review Sources

Google
5.0 (52)
Yelp
3.5 (5)

Why choose this provider?

The Wilson Team serves the mortgage needs of families and individuals in the Oceanside area and nearby metros. It provides refinancing solutions to help investors and first- and second-time homebuyers proceed with acquiring their dream properties. The agency guides clients throughout the loan process and offers a variety of mortgage programs, such as FHA, VA, jumbo, and adjustable-rate and fixed-rate conventional loans. Branch manager Jeffrey Willson has been working with borrowers for more than 15 years.

  • Reverse Mortgages

1902 Wright Place, Suite 200, Carlsbad, CA 92008
WebsiteLicense: 79460

Expertise.com Rating

Review Sources

Yelp
5.0 (17)
Google
5.0 (15)
Facebook
5.0 (12)

Why choose this provider?

America One Mortgage Group represents various lenders and banks, offering customers in Oceanside with loans that meet their needs and financial goals. It helps borrowers with existing mortgages find a loan with better terms, lower monthly repayments, and lower rates through its refinancing services. The agency provides clients with various loan options, such as FHA, VA, fixed-rate, and adjustable-rate loan products. It is certified by the NMLS and provides equal housing opportunities to all customers.

  • Reverse Mortgages

701 Palomar Airport Rd #301, Carlsbad, CA 92011
WebsiteLicense: 1784175

Expertise.com Rating

Review Sources

Google
5.0 (21)
Facebook
5.0 (12)

Why choose this provider?

Rik Purpura operates under the Straight Forward Mortgage banner and offers various lending and refinancing options to residents of Oceanside. It arranges and replaces existing loans with new products that have favorable rates. The agent has reverse mortgages that are tailored toward senior citizens. It also has programs fit for first-time purchasers and experienced real estate investors. Rik Purpura is a senior consultant who offers a checklist on his website that educates clients on the basics of financing and home sales.

  • New Construction
  • Reverse Mortgages

4167 Avenida De La Plata, Suite 104, Oceanside, CA 92056
WebsiteLicense: 324224

Expertise.com Rating

Review Sources

Google
5.0 (42)
Yelp
5.0 (9)

Why choose this provider?

Eagle Nest Realty and Mortgage Inc. is a loan company serving the community of Oceanside. The company specializes in VA loans and also offers conventional, FHA, jumbo, and home improvement acquisition loan options. For refinance needs, the staff assists clients in applying for VA cash out and streamline loans. Other services include real estate acquisition, in which the professionals cater to both buyers and sellers. Its team has a combined 20 years of experience as loan brokers and Realtors in Southern California.

  • New Construction
  • Reverse Mortgages

2173 Salk Ave. #250, Carlsbad, CA 92008
WebsiteLicense: 1612358

Expertise.com Rating

Review Sources

Google
5.0 (57)
Facebook
5.0 (9)

Why choose this provider?

RealMortgage is a brokerage firm that provides financial solutions to customers in the Oceanside community. It offers refinancing services to owners of single-family and multi-unit homes, townhouses, and condominiums. It assists customers looking to pay for their homes faster or get lower interest rates and monthly payment costs. Available loan options include jumbo, FHA, USDA, and HARP. RealMortgage is headed by Daniel Ramirez, a mortgage loan originator with over 20 years of experience in the finance industry. The firm is licensed in California, Colorado, and Texas.

  • Reverse Mortgages

18301 Collier Ave #B, Lake Elsinore, CA 92530
WebsiteLicense: 1905575

Expertise.com Rating

Review Sources

Facebook
4.9 (22)
Google
4.5 (16)
Yelp
1.0 (1)

Why choose this provider?

Maximum Real Estate Services offers refinancing solutions to the communities in Oceanside. Its loan professionals help borrowers refinance their homes by shopping for better rates and terms and comparing various options. They provide different loan programs, including VA, FHA, and privately funded products. Additionally, these professionals assist clients in assessing their finances and preparing documents. They have been serving the community for over 20 years. CEO and Realtor Christopher Rodriguez was one of NAHREP's top producers for 2013.

  • Multi-Family Loans

2103 S. El Camino Real #108, Oceanside, CA 92054
WebsiteLicense: 393510

Expertise.com Rating

Review Sources

Google
5.0 (43)

Why choose this provider?

Since 2009, Home Mortgage Experts has been assisting Oceanside locals in finding, applying for, and refinancing various mortgage options. The family-owned company primarily offers VA loans, but also helps clients acquire standard and government-backed lending options like FHA loans and reverse mortgages. Homeowners with existing mortgages can submit an online form with their details and mortgage goals to allow the company's staff to tailor a refinancing solution according to their specifications. These refinancing solutions range from debt consolidation loans to cash-out refinances.

  • New Construction
  • Reverse Mortgages

1902 Wright Place, Ste 200, Carlsbad, CA 92008
WebsiteLicense: 1158884

Expertise.com Rating

Review Sources

Google
5.0 (17)
Yelp
5.0 (9)

Why choose this provider?

Lineage Lending & Real Estate is a full-service company offering refinancing programs to the Oceanside community. Its team, composed of loan officers and real estate agents, helps homeowners refinance HARP 2.0 and Lineage FHA Streamline programs and non-agency loans. The team guides mortgage borrowers in completing refinancing transactions, starting from assessment and appraisal to financial awarding and closing. The company is managed by professionals with more than 75 years of experience and has completed over 20,000 transactions.

  • New Construction

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
America's Loan Advisors
701 Palomar Airport Road Suite 300, Carlsbad, CA 92011
Great Rate Home Loans
5810 El Camino Real, D, Carlsbad, CA 92008
David Todd
5860 Owens Ave., Carlsbad, CA 92008
MH Loans
2244 Faraday Avenue Suite 92, Carlsbad, CA 92008
Bluefire Mortgage
2121 Palomar Airport Road Ste #150, Carlsbad, CA 92011
The Willson Team
150 E Broadway, Vista, CA 92084
America One Mortgage Group
1902 Wright Place, Suite 200, Carlsbad, CA 92008
Rik Purpura
701 Palomar Airport Rd #301, Carlsbad, CA 92011
Eagle Nest Realty & Mortgage Inc.
4167 Avenida De La Plata, Suite 104, Oceanside, CA 92056
RealMortgage
2173 Salk Ave. #250, Carlsbad, CA 92008
Maximum Real Estate Services
18301 Collier Ave #B, Lake Elsinore, CA 92530
Home Mortgage Experts
2103 S. El Camino Real #108, Oceanside, CA 92054
Lineage Lending & Real Estate
1902 Wright Place, Ste 200, Carlsbad, CA 92008

Oceanside, CA Mortgage Refinance FAQs

  • In Oceanside, is it possible to avoid mortgage insurance?

    It is possible to avoid mortgage insurance. Typically, if the lender's risk exceeds 80% of the purchase price or the assessed value or the program calls for little or no down payment, mortgage insurance is needed. To avoid this, individuals in Oceanside may utilize an 80/20 loan in which the first mortgage is 80% and the second mortgage is 20%. In this case, the borrower will pay a higher interest rate in exchange for the lender paying the mortgage insurance.

  • What are the most common reasons for refinancing a mortgage in Oceanside?

    Oceanside homeowners frequently refinance their mortgages to decrease their monthly payments, cut their current interest rates, and shorten the time it takes to pay off their loans. Additionally, some individuals utilize mortgage refinancing in order to withdraw cash, consolidate their debts, and reduce or eliminate the required private mortgage insurance payments.

  • What documents are typically needed for people in Oceanside who want to refinance their mortgage?

    It is ideal for Oceanside homeowners to have copies of their tax returns for the previous two years, the most recent rental agreements for those who own rental properties, and three of their most recent bank statements, including those for any mutual funds, IRA/401(k), or stock accounts, in order to speed up the loan refinancing process. Recent pay stubs, evidence of any additional income, such as tips or Social Security payments and recent mortgage notes are also beneficial.

  • How much does refinancing cost in Oceanside?

    Depending on the loan type and the lender, refinancing expenses in Oceanside might vary significantly, but in the state of California, it would typically be around $2,800 to $3,800. Do note that this is only a general breakdown of refinance costs; points or lender credits are not included. Also, you may pay more if you utilize refinancing to withdraw money from your equity.

  • What refinancing options are available in Oceanside?

    In Oceanside, homeowners can choose traditional mortgages wherein borrowers have the option of FHA refinancing or FHA streamline refinancing, both backed by the Federal Housing Administration. VA streamline refinancing is available for veterans. They can also choose a cash-out refinance, an FHA 203(k) refinance loan, or a USDA streamline refinance loan. Choosing the right option would depend on a person's financial objectives, their existing mortgage, and their circumstances.