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Best Mortgage Refinance Companies in Santa Ana, CA

Our Recommended Top 13

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Santa Ana 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.

189Reviewed

118Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

18071 Fitch Ste. 200, Irvine, CA 92614

Expertise.com Rating

Review Sources

Google
4.8 (1947)
Facebook
4.8 (339)
Yelp
4.8 (254)

Why choose this provider?

E Mortgage Capital is a family-run business serving Santa Ana and the neighboring areas. Its team assists residential property owners in refinancing their current mortgage payments to reduce monthly payments and increase disposal cash. It also offers a variety of loans such as conventional home loans, FHA, and VA. In addition, clients can opt for personalized loans like USDA and Non-QM, allowing interest-only payments and accepting alternative income methods verification. Its principal owners have over four decades of combined experience.

  • Multi-Family Loans

2510 Red Hill Avenue, Santa Ana, CA 92705
WebsiteLicense: 53112

Expertise.com Rating

Review Sources

Yelp
4.5 (49)

Why choose this provider?

Sol Mortgage is a mortgage refinancing company serving homeowners and business owners in Santa Ana. The company offers a comprehensive line of mortgage options, including conventional, jumbo, FHA, VA, and first-time homebuyers loans. It gives clients all the available information about various loans to be able to identify what fits their needs. It provides a simple loan process, instant results, and quick deal completion. Furthermore, Sol Mortgage is an approved servicer of Ginnie Mae, Fannie Mae, and Freddie Mac.

  • Reverse Mortgages
  • Multi-Family Loans

2932 Daimler St, Santa Ana, CA 92705

Expertise.com Rating

Review Sources

Google
5.0 (49)
Facebook
5.0 (8)

Why choose this provider?

Keith De John serves individuals in Santa Ana who need assistance with refinancing their home mortgages. He works with existing borrowers, explaining the process and helping them to choose from a selection of refinancing options. Keith also serves clients who want to buy a new primary residence or a second vacation home, senior citizens looking for reverse mortgages, and individuals purchasing real estate for investment purposes. He keeps customers informed of the status of their loans, reaching out to them through emails and calls.

  • Multi-Family Loans

18022 Cowan, Irvine, CA 92614
WebsiteLicense: 285120

Expertise.com Rating

Review Sources

Yelp
4.5 (10)

Why choose this provider?

ALT Financial is a Santa Ana firm of mortgage specialists that helps clients looking for mortgage refinancing options in the area. The company is licensed under the California Department of Real Estate and is composed of NMLS certified loan officers. It offers clients various options for home refinancing, such as monthly payment reductions, mortgage term reductions, and debt consolidation. It has extensive experience in processing government loan options, such as the Home Affordable Refinance Program (HARP).

  • Reverse Mortgages
  • NMLS #: 39166

416 Myrtle Street, Santa Ana, CA 92701

Expertise.com Rating

Why choose this provider?

GR Financial Services is a real estate and mortgage company that serves clients in Santa Ana and the surrounding areas. It helps first-time homebuyers, seasoned investors, and seniors needing reverse mortgages find the right option for them. It also assists clients in their home refinance needs to help them lower monthly payments, interest rates, and DTIs. The company deals with properties, such as single- and multi-family homes, townhouses, condos, and manufactured homes that serve as a primary residence, vacation or rental home, or investment.

  • Multi-Family Loans

2700 N. Main Street,Suite 761, Santa Ana, CA 92705

Expertise.com Rating

Review Sources

Facebook
5.0 (21)
Google
5.0 (15)
Yelp
5.0 (2)

Why choose this provider?

0pointLoan offers solutions to Santa Ana individuals and families who need mortgage refinancing. Depending on the years to repay a mortgage, clients are offered 15- or 30-year refinance programs. The company offers VA refinance plans that help veterans and their eligible family members. It also walks clients through the process of securing IRRRL or getting cash from their equity. 0pointLoan's mortgage officers offer support to clients with plans of purchasing single-family homes, condominium units, townhomes, or multi-family homes.

  • New Construction

1522 E. Fourth St., Santa Ana, CA 92701

Expertise.com Rating

Review Sources

Facebook
5.0 (9)
Google
5.0 (2)

Why choose this provider?

RFG Mortgage Bankers serves individuals and families throughout Santa Ana and the nearby communities. It offers assistance with refinancing to help clients reduce monthly payments, cash out some of their equity, or consolidate existing debts. The firm has access to a wide network of lending partners and helps its clients with finding appropriate mortgage options that fit their specific needs, circumstances, and budget. Loan programs include fixed-rate mortgage, ARM programs, non-conventional loans, and balloon loan programs.

  • Multi-Family Loans

15 Macarthur Pl, Santa Ana, CA 92707

Expertise.com Rating

Review Sources

Google
4.4 (41)

Why choose this provider?

Smart Choice Realty & Mortgage Finance handles the lending needs of residents in the Santa Ana area. The broker works with more than 350 lending institutions and provides various home loan programs, including refinancing, fixed-rate mortgages, FHA, and VA home loans. Its mortgage refinance services help clients reduce their monthly payments, consolidate high-interest debts, and pay off mortgages faster. The professionals at the firm also help clients with cashing out to upgrade their properties, invest in other properties, or improve their businesses.

  • New Construction

7700 Irvine Center Drive, Irvine, CA 92618
WebsiteLicense: 239946

Expertise.com Rating

Review Sources

Yelp
4.5 (22)
Facebook
5.0 (13)

Why choose this provider?

BrendaTheLenda assists Santa Ana-based residents with their financing needs. Together with a team of loan officers, Brenda Dintino guides clients in a number of areas, including mortgage refinancing which caters to homeowners who wish to decrease their mortgage interest rates. In addition, she also provides lending assistance for first and second-time home buyers, self-employed individuals, investors, and seniors looking into obtaining reverse mortgages. BrendaTheLenda has more than four decades of experience in the mortgage industry.

  • Reverse Mortgages
  • First Time Home Buyers
  • Investment Buyers

1633 East 4th Street, Santa Ana, CA 92701
WebsiteLicense: 292789

Expertise.com Rating

Why choose this provider?

Cross Mortgage is a mortgage refinance company that serves clients in Santa Ana and nearby areas. The business guides individuals in choosing the right mortgage loans for them with the best interest rates. Its team of mortgage brokers is also well-versed in handling a wide range of loan options, including FHA, VA, USDA, refinance, conventional, and home equity loans. Additionally, clients can utilize the calculator and other tools on the company's website for comparative and consultation purposes.

  • New Construction

2700 N. Main Street, Suite 620, Santa Ana, CA 92705

Expertise.com Rating

Review Sources

Google
4.9 (49)
Yelp
4.8 (22)
Facebook
5.0 (7)

Why choose this provider?

Fast Action Mortgage is a home loan service provider serving the residents of Santa Ana and the surrounding areas. It provides FHA Streamline refinancing services, which require no employment, income, or credit score verification. It offers refinancing solutions for different types of fixed-rate home loans, including conforming and non-conforming, jumbo, and portfolio loans. The company also provides down payment assistance, foreign national loans, and investment property loans. Fast Action Mortgage has been in operation for more than two years.

  • Multi-Family Loans

1912 N Broadway Suite 102, Santa Ana, CA 92706

Expertise.com Rating

Review Sources

Yelp
3.9 (16)
Google
3.5 (8)

Why choose this provider?

MGM Lenders Inc. is a non-bank financial services company that has been operating in Santa Ana since 2004. It assists individuals who are buying their first homes, investing in a property, refinancing their home, or consolidating debts through a wide variety of mortgage products or loan programs. These include VA, FHA, jumbo, conventional, and streamline refinance. MGM Lenders includes team members speak Spanish and Farsi. Additionally, the company helps clients with the pre-qualification process.

  • Multi-Family Loans

6 Hutton Centre Drive, Santa Ana, CA 92707
WebsiteLicense: 237507

Expertise.com Rating

Review Sources

Facebook
4.9 (9)

Why choose this provider?

LoanLock is a mortgage lender headquartered in Santa Ana and services clients within the vicinity. Whether a client is refinancing or buying, the company processes loans on-site and verifies all pertinent information so approval decisions are done right away. Fixed loans, ARM loans, and jumbo loans are some of the general types of loans it offers to clients. Also available are FHA and VA loans. LoanLock implements a fast and secure paperless processing of loans where applications and requirements are sent online.

  • NMLS #: 39166

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
E Mortgage Capital
18071 Fitch Ste. 200, Irvine, CA 92614
Sol Mortgage
2510 Red Hill Avenue, Santa Ana, CA 92705
Keith De John
2932 Daimler St, Santa Ana, CA 92705
ALT Financial
18022 Cowan, Irvine, CA 92614
GR Financial Services
416 Myrtle Street, Santa Ana, CA 92701
0pointLoan
2700 N. Main Street,Suite 761, Santa Ana, CA 92705
RFG Mortgage Bankers
1522 E. Fourth St., Santa Ana, CA 92701
Smart Choice Realty & Mortgage Finance
15 Macarthur Pl, Santa Ana, CA 92707
Brendathelenda
7700 Irvine Center Drive, Irvine, CA 92618
Cross Mortgage
1633 East 4th Street, Santa Ana, CA 92701
Fast Action Mortgage
2700 N. Main Street, Suite 620, Santa Ana, CA 92705
MGM Lenders Inc.
1912 N Broadway Suite 102, Santa Ana, CA 92706
LoanLock
6 Hutton Centre Drive, Santa Ana, CA 92707

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.
  • How much cash can you take from a refinance in Santa Ana?

    The amount of money you can take from a refinance depends on your lender in Santa Ana. Most of the time, the amount of cash you can get is up to 80% of the value of your home. Your loan amount is determined by your home's equity and the type of loan you have. If you are a veteran using a VA cash-out refinance, you may refinance up to 100% of your home's value.

  • Does money from a cash-out refinance in Santa Ana taxable?

    No. The money you get from a cash-out refinance in Santa Ana is not taxable income. This means you do not have to pay taxes if you receive the money from a cash-out refinance. However, your loan can be tax deducted if you use it from cash-out refinance to fund home renovation or improvement projects.

  • Can individuals take money from their vehicle's equity in Santa Ana?

    Yes. Individuals in Santa Ana can take money from their vehicle's equity through cash-out refinancing. They can replace their current auto loan with a new personal loan. They can receive money based on how much the vehicle's equity is. To determine the amount of equity, a loan specialist will gather information regarding the vehicle's model, make, identification number, and mileage. It will be assessed to determine the amount of potential cash-out.

  • Are home appraisals required when refinancing mortgages in Santa Ana?

    It depends on the situation. Most of the time, lenders require borrowers in Santa Ana to appraise their homes before they refinance their mortgages. However, USDA, VA, and FHA borrowers may not require a home appraisal. Sometimes, they may also be eligible for an appraisal waiver if they have conventional loans.

  • What documentation should you prepare for refinance application in Santa Ana?

    When applying for refinancing in Santa Ana, you should prepare the statements of your outstanding debts. These may include car and student loans, home equity, existing mortgages, and credit lines. You should also provide your recent salary stubs, two recent tax return forms if self-employed, and 1099 forms if you have other sources of income.

  • 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.