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Best Mortgage Refinance Companies in San Marcos, 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 San Marcos 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.

61Reviewed

41Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

500 La Terraza Blvd Suite 150, Escondido, CA 92025
WebsiteLicense: 1120084

Expertise.com Rating

Review Sources

Facebook
4.9 (17)
Google
4.5 (10)

Why choose this provider?

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.

  • New Construction

425 W. 5th Ave, Ste 205, Escondido, CA 92025
WebsiteLicense: 1853714

Expertise.com Rating

Review Sources

Google
5.0 (81)
Yelp
5.0 (4)

Why choose this provider?

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.

  • New Construction
  • Reverse Mortgages

508 W Mission Ave #200, Escondido, CA 92025
WebsiteLicense: 393335

Expertise.com Rating

Review Sources

Google
4.9 (65)
Facebook
5.0 (36)
Yelp
5.0 (8)

Why choose this provider?

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.

  • Reverse Mortgages

2888 Loker Ave. E, Ste 201, Carlsbad, CA 92010
WebsiteLicense: 1283930

Expertise.com Rating

Review Sources

Facebook
5.0 (19)
Google
4.3 (6)

Why choose this provider?

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.

  • New Construction
  • Reverse Mortgages

310 Via Vera Cruz, #210 & 211,, San Marcos, CA 92078
WebsiteLicense: 220268

Expertise.com Rating

Review Sources

Facebook
4.5 (112)
Google
4.8 (22)

Why choose this provider?

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.

  • New Construction

1902 Wright Pl STE 200, Carlsbad, CA 92008
WebsiteLicense: 14241

Expertise.com Rating

Review Sources

Google
5.0 (26)

Why choose this provider?

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.

  • Reverse Mortgages

16644 W Bernardo Drive, Suite 100, San Diego, CA 92127
WebsiteLicense: 239958

Expertise.com Rating

Review Sources

Google
5.0 (88)
Yelp
5.0 (47)
Facebook
5.0 (11)

Why choose this provider?

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.

  • Reverse Mortgages

San Marcos, CA
WebsiteLicense: 1665909

Expertise.com Rating

Review Sources

Yelp
4.0 (5)
Google
5.0 (3)

Why choose this provider?

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.

  • Reverse Mortgages

100 South Escondido Blvd, Escondido, CA 92025
WebsiteLicense: 2427

Expertise.com Rating

Review Sources

Google
5.0 (46)
Yelp
4.5 (4)

Why choose this provider?

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.

  • New Construction
  • Reverse Mortgages

970 Los Vallecitos Blvd. Suite 222, San Marcos, CA 92069
WebsiteLicense: 1938081

Expertise.com Rating

Review Sources

Google
4.3 (42)

Why choose this provider?

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.

  • New Construction

700 2nd St, Suite E, Encinitas, CA 92024
WebsiteLicense: 246875

Expertise.com Rating

Review Sources

Google
5.0 (170)
Facebook
5.0 (14)

Why choose this provider?

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.

  • New Construction
  • Reverse Mortgages

9683 Tierra Grande, Ste 102, San Diego, CA 92126
WebsiteLicense: 239310

Expertise.com Rating

Review Sources

Google
5.0 (48)

Why choose this provider?

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.

  • Reverse Mortgages

12750 High Bluff Dr Suite 100,, San Diego, CA 92130
WebsiteLicense: 329451

Expertise.com Rating

Why choose this provider?

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.

  • New Construction

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
Blue Horizon Realty & Lending, Inc.
500 La Terraza Blvd Suite 150, Escondido, CA 92025
Federal Capital Funding Group
425 W. 5th Ave, Ste 205, Escondido, CA 92025
Robison Home Loans
508 W Mission Ave #200, Escondido, CA 92025
Solidify Mortgage Advisors
2888 Loker Ave. E, Ste 201, Carlsbad, CA 92010
VanDyk Mortgage Corporation
310 Via Vera Cruz, #210 & 211,, San Marcos, CA 92078
Mission Pacific Mortgage
1902 Wright Pl STE 200, Carlsbad, CA 92008
Team Sleder
16644 W Bernardo Drive, Suite 100, San Diego, CA 92127
PGS Home Loans
San Marcos, CA
Countywide Mortgage Lending
100 South Escondido Blvd, Escondido, CA 92025
Stone Bridge Mortgage
970 Los Vallecitos Blvd. Suite 222, San Marcos, CA 92069
Steve Hougard Loans
700 2nd St, Suite E, Encinitas, CA 92024
Lone Wilkerson
9683 Tierra Grande, Ste 102, San Diego, CA 92126
San Diego Purchase Loans
12750 High Bluff Dr Suite 100,, San Diego, CA 92130

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.
  • Will you have difficulty refinancing a home in San Marcos with a Property Assessed Clean Energy (PACE) loan?

    Yes, you may have difficulty refinancing or selling your home in San Marcos. This is because the Property Assessed Clean Energy (PACE) program places a lien on your home which you must first pay. Another problem you may encounter with a PACE loan is the increase in your property taxes after your home's energy systems have been upgraded.

  • What is a good refinancing option for fixing and flipping a home in San Marcos?

    A bridge loan is a good option for fix-and-flip investments. It allows the investor to have funds for renovations while also allowing them to sell the property later. Other benefits of this loan include shorter terms, appraisal delays that do not affect funding, and large approval amounts ranging from $50,000 to $9 million. The terms of a bridge loan would be determined by the lender in San Marcos.

  • What should you do if you recently received a child support judgment and plan to refinance in San Marcos?

    Notify the escrow company that you have a child support lien. This is required if you intend to sell your home, refinance your mortgage, or purchase a home in San Marcos. Every escrow transaction is required by law to have lien recordings cleared by the Department of Child Support Services. For more information, call the Lien Services team at 866-901-3212. Their address is 3666 Kearny Villa Rd, San Diego, CA 92123. Call ahead of time if you intend to visit.

  • When you refinance in San Marcos, is your home used as collateral?

    A mortgage is always secured by collateral, in this case your San Marcos home. So, whether you refinance or not, your home will always be collateral in your mortgage as long as you owe money on it. Collateral serves as security for the lender in the event that you default on your payments. When this occurs, the lender will foreclose on your home, seize ownership, and sell it to recoup the money they have already loaned you.

  • Do you need a co-signer to refinance your mortgage in San Marcos?

    No, but it can help your refinance application get approved faster. This is especially useful if you have a bad credit history or the loan amount is large. Having a co-signer strengthens your application because of the increased income, improved credit, and additional promise of loan repayment. A co-signer is someone who expresses an interest in owning a home in San Marcos and signs the agreement but does not move in.

  • 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.