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Best Mortgage Refinance Companies in San Pedro, CA

Our Recommended Top 9

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 Pedro 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.

53Reviewed

35Curated

9Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

15 Miraleste Plz., Rancho Palos, CA 90275
WebsiteLicense: 231293

Expertise.com Rating

Review Sources

Yelp
5.0 (1)

Why choose this provider?

Vanessa Jezin is a mortgage advisor at Pinnacle Home Loans, helping borrowers in San Pedro achieve their interest rate goals through refinancing. She leverages her more than 16 years of experience in the mortgage banking field to help clients find loans tailored to their needs and financial circumstances. Vanessa combines her problem-solving skills with a commitment to delivering quality customer service to provide loans that impact clients' health, wealth, and quality of life. She takes an approach to mortgage processing that emphasizes relationship building and integrity.

  • New Construction

1977 Redondela Drive, Rancho Palos Verdes, CA 90275
WebsiteLicense: 239536

Expertise.com Rating

Why choose this provider?

Capital Lending & Real Estate caters to the mortgage needs of property investors, first-time homebuyers, and seasoned veterans in San Pedro and nearby communities. The office has various refinancing programs, such as USDA streamline, FHA cash out, commercial, VA cash out, FHA 203k, and conventional loans. Owner and mortgage broker John Lauro guides customers throughout the home purchasing, refinancing, and selling processes. He has been active in the industry since 1995, also providing adjustable-rate and graduated payment mortgages.

  • New Construction

2244 Pacific Coast Hwy #106, Lomita, CA 90717
WebsiteLicense: 2550

Expertise.com Rating

Review Sources

Google
4.8 (3470)
Facebook
4.5 (555)

Why choose this provider?

SunWest Mortgage Company, Inc. is a technology-driven lender that accepts and processes loan applications online and provides same-day pre-qualifications. It caters to clients in San Pedro who would like to purchase homes, refinance their mortgages, or cash out their equity. The company assists them with several options, including conventional, Native American, FHA, VA, jumbo, and USDA loans. It aims to close every loan with true approval in no more than 28 days. SunWest Mortgage Company has been in the industry for three decades.

  • Reverse Mortgages

17315 Studebaker Rd #300E, Cerritos, CA 90703
WebsiteLicense: 2092207

Expertise.com Rating

Review Sources

Google
5.0 (8)
Facebook
5.0 (8)

Why choose this provider?

Khan Home Loan serves San Pedro residents, providing them with mortgage options and refinancing programs. It serves various clients, from first-time homebuyers to residential property investors. It offers FHA, USDA, VA, and jumbo loans. Its mortgage professionals also assist current mortgagors in refinancing their current lending options. They advise them on the necessary qualifications for various refinancing plans and the benefits of said plans, such as cash or shortened loan terms. Khan Home Loans has over 15 years of industry experience.

  • New Construction
  • Reverse Mortgages

350 West 5th Street #206, San Pedro, CA 90731
WebsiteLicense: 267223

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Malaga Funding, Inc., is a residential and commercial real estate financing company that caters to the San Pedro metro. Its services include mortgage refinancing, offering different types of options, including FHA, VA, conventional, and jumbo loans. It also crafts balance and conforming loan programs. Malaga Funding provides tri-merge credit reports with FICO scores to its first-time clients. Its mortgage brokers, Andrea Dobrick and Joe Gomez, have more than 44 years of combined experience in real estate lending.

29000 S Western Ave Suite 210, Rancho Palos Verdes, CA 90275
WebsiteLicense: 1239897

Expertise.com Rating

Review Sources

Yelp
5.0 (3)
Google
5.0 (1)

Why choose this provider?

Fairview Mortgage Capital serves clients across San Pedro and the surrounding cities. It provides mortgage loan options for home refinancing and purchasing, such as adjustable-rate and fixed-rate mortgages, combined and hybrid ARMs, conforming, conventional, FXA, and jumbo loans. It also offers home equity, cash-out home loan, and reverse mortgage programs. It provides clients with written pre-approval certificates within one hour to make the loan process faster and simpler for them. It has been helping clients since 1996.

  • New Construction
  • Reverse Mortgages

23236 Lyons Ave., Suite 232, Newhall, CA 91321
WebsiteLicense: 1547657

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Andrianna Felando is a mortgage loan originator handling home refinancing for clients in San Pedro. Together with The Money Store, she offers refinancing options for both real estate agents and homeowners in the community. Her firm handles in-house underwriters, offering an efficient process for its clients. The Money Store is handled by MLD Mortgage Inc. which has been a full-service mortgage banker for over 50 years. The company is an MBA member and is licensed in 47 states.

  • New Construction

24445 Hawthorne Blvd, Suite 201, Torrance, CA 90505
WebsiteLicense: 1494813

Expertise.com Rating

Why choose this provider?

Pacific Mortgage Co. helps aspiring homebuyers and homeowners in San Pedro in obtaining loan options that match their needs. The company assists clients in refinancing and purchasing properties through its various mortgage programs, including reverse, jumbo, FHA, VA, and conforming and non-conforming loans. One of its most recent transactions involves a retired customer refinancing a single-family home in Manhattan Beach using a rental agreement. President Stephan Wiederkehr has been in the mortgage industry for 20 years.

  • Reverse Mortgages

3700 Wilshire Boulevard, Ste 999, Los Angeles, CA 90010
WebsiteLicense: 336969

Expertise.com Rating

Review Sources

Google
4.7 (3)

Why choose this provider?

Viewpoint Mortgage is a family-owned and family-operated firm established in 1986. The company works with real estate professionals, builders, investors, and homebuyers in the San Pedro metro and its surrounding communities. The company handles different kinds of loans, including conventional, jumbo, VA, FHA, and cash-out options. In addition, the company provides loan products for active-duty military members, veterans, and persons with disabilities. The company also offers mortgage manager services for clients considering refinancing existing loans.

  • New Construction

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
Vanessa Jezin
15 Miraleste Plz., Rancho Palos, CA 90275
Capital Lending & Real Estate
1977 Redondela Drive, Rancho Palos Verdes, CA 90275
SunWest Mortgage Company, Inc.
2244 Pacific Coast Hwy #106, Lomita, CA 90717
Khan Home Loan
17315 Studebaker Rd #300E, Cerritos, CA 90703
Malaga Funding, Inc.
350 West 5th Street #206, San Pedro, CA 90731
Fairview Mortgage Capital
29000 S Western Ave Suite 210, Rancho Palos Verdes, CA 90275
Andrianna Felando
23236 Lyons Ave., Suite 232, Newhall, CA 91321
Pacific Mortgage Co
24445 Hawthorne Blvd, Suite 201, Torrance, CA 90505
Viewpoint Mortgage
3700 Wilshire Boulevard, Ste 999, Los Angeles, CA 90010

San Pedro, CA Mortgage Refinance FAQs

  • How common is mortgage refinancing in San Pedro?

    Since 2022, San Pedro and the rest of the Los Angeles-Orange County area have seen 83% fewer mortgage refinances and 82% more equity loans. Home purchase loans in the metro are also down by 55%. In fact, California is seeing its biggest 12-month drop on record, with 63% fewer mortgages taken out in the same year.

  • Are refinance rates high in San Pedro?

    Compared to California’s other metropolitan areas, refinance rates in San Pedro and the rest of the Los Angeles-Orange County area sit fairly low at 4.63%. The median home value in the metro is $603,493, with estimated monthly payments of $2,482 for a 30-year fixed-rate refinance. In contrast, San Diego and the Inland Empire have refinance rates of 4.66% and 4.65%, respectively.

  • What are the origination costs in a San Pedro refinance?

    Origination costs in a San Pedro refinance are the fees lenders charge to cover the cost of handling loans. They may include application, underwriting, processing, and administrative fees. Borrowers may negotiate for lower origination fees, especially if they have decent credit scores, a sizable down payment, or a low debt-to-income ratio.

  • What are the advantages of shopping around for a San Pedro refinance?

    Homeowners in San Pedro looking to refinance may be able to save $25 to $50 a month if they shop around, which amounts to at least $300 saved in a year. They may also be able to find a lender offering minimal closing costs. However, homeowners are advised to remember that no-closing-cost loans typically charge higher interest rates.

  • What are San Pedro refinance options for those with low credit scores?

    Those in San Pedro with a credit score of below 700 and who have little home equity may refinance their mortgage to an FHA loan. However, the loan is only available for primary residences of one to four units. The average FICO score in California as of 2021 is 721.