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Best Mortgage Refinance Companies in Temecula, CA

Our Recommended Top 3

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 Temecula 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.



3Top Picks

Learn about our selection process.


featured provider = Featured Provider

43513 Ridge Park Drive, Temecula, CA 92590
WebsiteLicense: 1924227 Rating

Review Sources

4.8 (95)

Why choose this provider?

Veterans Lending Group deals with clients throughout Temecula. The company primarily works with military families and educates them on the refinancing process. It sets up the VA-backed cash-out refinance program, a solution for borrowers looking to obtain funds for home remodeling projects. The company also assists clients with the creation of a savings plan and teaches them credit-building strategies as part of its Night Vision Credit Program. The team at Veterans Lending Group is mainly staffed by former military service personnel.

  • Multi-Family Loans
  • New Construction

41689 Enterprise Cir N, Ste 110, Temecula, CA 92590
WebsiteLicense: 378668 Rating

Review Sources

5.0 (30)

Why choose this provider?

HomeTown Lending caters to homeowners, investors, and home buyers across the Temecula metro and the surrounding cities. The company provides mortgage refinancing services to help clients lower their monthly payments and guide them in saving funds for educational expenses or retirement. Its refinancing services also allow individuals to shorter their loan terms and reduce their interest rates. Its team is also available to assist clients in finding homes and choosing loan programs suitable for their needs.

  • New Construction

28364 Vincent Moraga Dr A, Temecula, CA 92590
WebsiteLicense: 33418 Rating

Review Sources

5.0 (7)
5.0 (5)

Why choose this provider?

Top Gun Home Loans is a mortgage loan advisor with C2 Financial Corporation that has been serving home buyers and owners and seasoned investors across the Temecula area since 2018. Miguel Carrasco, a Mortgage Pilot for Top Gun, provides customers with different types of loan programs, including traditional and specialty programs. He offers customers fixed-rate mortgages, FHA, VA, and jumbo loans. Carrasco has been in the mortgage lending industry for more than 15 years and has helped more than 2,000 clients.

  • New Construction
  • Reverse Mortgages

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
Veterans Lending Group
43513 Ridge Park Drive, Temecula, CA 92590
HomeTown Lending
41689 Enterprise Cir N, Ste 110, Temecula, CA 92590
Top Gun Home Loans
28364 Vincent Moraga Dr A, Temecula, CA 92590


  • 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.
  • Should “Dream for All” program borrowers in Temecula refinance their homes?

    Those in Temecula who bought their homes through the California Housing Finance Agency’s “Dream for All” program should only refinance their homes once it appreciates in value. This is because they would have to reimburse the state the original amount invested, plus a percentage of the home’s increase in value. However, lower-income borrowers may be able to keep more of their equity.

  • When is a Temecula refinance not a good decision?

    Depending on the current interest rates, it may not be a good option for Temecula homeowners to refinance if they are planning on moving in the next six months. Similarly, those who have less than ten years on their mortgage are advised not to refinance unless the rates are low enough.

  • How does refinancing in Temecula help with debt consolidation?

    Taking out a debt consolidation loan may allow Temecula homeowners to use the amount of equity in their homes to pay off debt such as credit cards, personal loans, and auto loans. Because refinance interest rates are typically much lower than that of unsecured high-interest debt, borrowers may be able to save thousands of dollars per year.

  • Who is eligible for a Temecula cash-out refinance?

    To be eligible for a cash-out refinance in Temecula, homeowners may need to have at least 20% equity in their home. In some cases, lenders will also require a credit score of 620 or higher. In addition, one’s debt-to-income ratio must not be more than 50%. Qualifying debts include student loans, credit cards, and any type of federal debt.

  • How long does the Temecula cash-out refinance process take?

    Depending on the complexity of one’s loan, taking out a cash-out refinance in Temecula typically takes up to 45 to 60 days. At the closing, borrowers will be able to receive their money after three days. Under federal law, they may use this period to change their mind about refinancing their mortgage.

  • 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.