Best Mortgage Refinance Companies in San Marcos, CA

Blue Horizon Realty & Lending, Inc., is a team of Realtors and loan officers serving San Marcos and the surrounding areas. They help prospective home buyers navigate the borrowing process to fund their home ownership goals. The company offers programs such as VA, FHA, conventional, and jumbo loans. It also provides programs specifically for first-time home buyers. The company's officers have many years of experience in the lending industry and may communicate with clients in English and Spanish.

Federal Capital Funding Group serves clients in San Marcos and nearby areas. It offers a mortgage refinance program to borrowers seeking to settle an existing loan and those who wish to get lower monthly payments and interest rates. There are also lending programs offered to first-time homebuyers, such as VA, FHA, jumbo, and fixed- and adjustable-rate mortgages. Senior mortgage advisor Borna Joseph Eftekari started the company after spending over two decades of his career in the financial services and insurance industries.

Robison Home Loans has been serving clients in and around San Marcos since 2015. The firm accommodates people seeking to refinance their current mortgages for various purposes, such as shortening loan terms, lowering monthly payments, cashing out equity, and consolidating debts. Its experts closely collaborate with borrowers to identify the loan package that best suits their needs. Ronnie Robison, CEO and mortgage broker, has assisted over 220 families using home financing to attain their goals.

Solidify Mortgage Advisors is a group of professionals offering refinancing programs to borrowers in San Marcos. The group puts together refinancing plans designed according to each loan borrower's needs for today and the future. As part of an independent mortgage company, the agents strive to deliver unbiased guidance to clients when choosing from various refinancing options. They have been serving the community since 2014 and have originated over one billion dollars in loans. Additionally, the company serves Arizona, Colorado, and Idaho.

VanDyk Mortgage Corporation provides home financing solutions to San Marcos residents. It specializes in government-backed loans for refinancing and purchase, such as conventional, VA, and FHA. Refinancing homeowners may also take advantage of fixed- and adjustable-rate mortgages and home equity loans. Its loan officers help clients assess if refinancing will be beneficial and find the loan program that meets their goals. VanDyk Mortgage Corporation is a member of the Mortgage Bankers Associating. It has been in the mortgage business since 1987.

Since 2018, Mission Pacific Mortgage has been working with people throughout San Marcos. It advises the owners of condos, single-family houses, and townhomes throughout the mortgage refinancing process. It helps them achieve a variety of financial goals, ranging from reduced interest rates to decreased monthly payments. The company also provides loans for military veterans. Its owner and founder, Robert Boladian, is the former CEO of Spectra Home Loans. He has over 15 years of experience in the industry.

Team Sleder comprises mortgage lending professionals who serve the San Marcos area. Through RWM Home Loans, it offers VA and FHA streamline refinance programs that allow for a cash-out or PMI removal. It helps refinancing borrowers understand their options in light of their short- and long-term financial goals. For every closed loan, Team Sleder has pledged $100 to each of its housing and financial charity partners around the community. Shanne Sleder, its namesake, has more than 16 years of mortgage experience.

PGS Home Loans is a boutique mortgage brokerage firm serving clients in and around San Marcos. It helps homeowners and buyers improve their finances by securing home purchasing or refinancing loans that match their goals and needs. Among these programs are VA, FHA, and conventional loans. The firm's mortgage specialists work to streamline the borrowing process for clients by guiding them through every stage. They are also dedicated to educating people about the loan application process, home purchasing, and the financial advantages of homeownership.

Countywide Mortgage Lending serves residents in San Marcos who need to refinance existing debts or obtain loans for new purchases. The team delivers adjustable rate products and FHA-backed options, the latter aimed at those with challenging credit contexts. Fixed-rate programs are available, with periods ranging from one decade to three. The company also replaces existing obligations with more manageable new alternatives. Countywide Mortgage Lending is part of GEM Mortgage and is led by Howard Kootstra, a 35-year veteran of the financing industry.

Stone Bridge Mortgage helps San Marcos homeowners lower monthly payments and pay off interest debts through mortgage and cash-out refinancing. It has been operating since 2011 with the aim of consistently providing favorable loan terms and closing deals on time. The brokerage considers the client's needs, loan history, and financial standing and leverages its access to hundreds of lenders to find the ideal loan program for the client's lifestyle. Stone Bridge Mortgage also assists with purchase solutions, including fixed-rate, FHA, and VA loans.

Steve Hougard Loans caters to home buyers and owners in the San Marcos community and the surrounding areas. Through Bayshore Home Loans, Inc., Steve offers loan programs to refinance clients' existing mortgages to change their rates or monthly payments. He also guides individuals in purchasing their first homes by applying for FHA loan programs and processes VA loans for military veterans. Steve has been in the mortgage industry since 1987 and has processed over 2,000 loans for more than 200 clients.

Lone Wilkerson is a loan officer at Integrity Mortgage Group, a brokerage catering to citizens in the San Marcos metro. Together with the company, Lone offers a range of mortgage loan programs, including reverse, FHA, and VA. The loan application process involves gathering required documents, checking eligibility, selecting a loan option, waiting for approval, and signing the last set of papers. Purchase and refinancing are additional services. Lone has been in the industry since 1992.

San Diego Purchase Loans caters to both homeowners and homebuyers with mortgage needs in San Marcos. The company recommends jumbo loans with a low downpayment for clients looking to refinance to take out cash, manage cash reserves, and fund non-warrantable condominiums. In addition, it carries specialty loans for self-employed borrowers, cannabis industry employees, and real estate investors. Karina Saldarriaga, the firm's branch manager, is fluent in Spanish and leverages over 15 years of experience in the mortgage industry.