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2025

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Best Mortgage Refinance Companies in Tustin, CA

Our Recommended Top 12

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 Tustin 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.

54Reviewed

37Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Mortgage Refinance Companies Serving Tustin
2552 Walnut Ave Ste 220, Tustin, CA 92780
Visit WebsiteLicense: 206752

Expertise.com Rating

Review Sources

Google
5.0 (65)
Yelp
5.0 (17)
Facebook
5.0 (9)

Why choose this provider?

Express Capital offers assistance to Tustin homeowners who want to consider mortgage refinancing. With a collective mortgage experience of over seven decades, its management team members have the expertise to give clients a seamless loan experience. Express Capital has been providing lending solutions since 2004. Its loan programs include jumbo, conventional, FHA, VA, and investment property loans. It seeks to offer the best mortgage products available in the market by working with various groups of lenders.

  • New Construction

Best Mortgage Refinance Companies Serving Tustin
202 Fashion Ln Ste. 223, Tustin, CA 92780
Visit WebsiteLicense: 1005393

Expertise.com Rating

Review Sources

Google
4.9 (559)
Yelp
4.5 (66)
Facebook
5.0 (11)

Why choose this provider?

West Capital Lending is a Tustin-based wholesaler delivering refinancing solutions to homeowners in the metro. Its loan officers assess clients' existing loans to create strategies that help them secure lower interest rates, reduce monthly payments, or gain cash. Through multiple investor options, they find the refinancing programs suited for each borrower's needs and goals. The company has been serving the community since 2016. Co-founder Eric Hines has counseled over 1,000 families on refinancing loans and purchasing homes.

  • Commercial Loans

Best Mortgage Refinance Companies Serving Tustin
17822 17th St. Suite 110, Tustin, CA 92780
Visit WebsiteLicense: 1572922

Expertise.com Rating

Why choose this provider?

United Finance Corporation is a direct lender that offers a range of refinancing solutions to homeowners in Tustin. It has cash-out refinance options for those who want to fund home improvements, invest in a new property, or fund a vacation and other major expenses. Additionally, the team provides debt consolidation for homeowners seeking a new loan with friendlier terms to pay off high-interest credit cards and other debts. United Finance Corporation also assists with FHA, conventional, VA, jumbo, and non-QM loans.

  • New Construction

Best Mortgage Refinance Companies Serving Tustin
18012 Cowan, Suite 200, Irvine, CA 92614
Visit WebsiteLicense: 1230949

Expertise.com Rating

Review Sources

Google
4.9 (63)

Why choose this provider?

Rate Plus is a mortgage brokerage company serving individuals and families in and around the Tustin community. It helps clients obtain lower interest rates and maximize their home equity through various refinancing options. Its team has different loan programs for clients who are looking to purchase new houses for an upgrade or investment. Rate Plus has more than 30 years of experience in the home lending industry and is a member of the Mortgage Bankers Association.

  • New Construction
  • Reverse Mortgages

Best Mortgage Refinance Companies Serving Tustin
17341 Irvine Blvd, Tustin, CA 92780
Visit WebsiteLicense: 349801

Expertise.com Rating

Why choose this provider?

TransUnited Financial Services, Inc., serves locals in Tustin who need refinancing and mortgage products. The team reforms existing obligations to expedite the swift fulfillment of debts, and it has programs fit for first-time homebuyers and those who are upgrading to their dream houses. The company has web-based resources and forms available for download and conducts the application process online. TransUnited Financial Services employs Spanish-speaking staff to facilitate transactions with clients who speak English as a second language.

  • New Construction

Best Mortgage Refinance Companies Serving Tustin
1805 E. Garry Avenue, Santa Ana, CA 92705
Visit WebsiteLicense: 902610

Expertise.com Rating

Review Sources

Yelp
4.5 (11)

Why choose this provider?

Jay Rodriguez serves individuals in Tustin who are looking to refinance to get a lower interest rate. He is a full-time mortgage broker for Arbor Financial Group, a company that works with over 75 lending institutions across the country. He leverages his industry experience of over 10 years by helping clients get past red tape in the mortgage process. Other services provided include reverse mortgage assistance. Rodriguez is a member of the National Association of Hispanic Real Estate Professionals.

  • New Construction

Best Mortgage Refinance Companies Serving Tustin
17291 Irvine Blvd Suite 400, Tustin, CA 92780
Visit WebsiteLicense: 1212805

Expertise.com Rating

Review Sources

Google
4.8 (366)
Facebook
4.9 (85)

Why choose this provider?

Equinox Home Financing offers various home loan programs to individuals, families, and real estate investors in Tustin. The business provides home purchasing and refinancing solutions that meet the client's specific needs and situations. It assists self-employed borrowers who lack tax returns by using their bank statements for loan qualification. For customers lacking financial documentation, its staff guides them through the no-income loan option. Equinox Home Financing aims to make the process accessible to clients by providing online tools, including home value estimates and refinancing analysis.

  • New Construction

Best Mortgage Refinance Companies Serving Tustin
2860 Michelle Drive, Irvine, CA 92606
Visit WebsiteLicense: 1097640

Expertise.com Rating

Review Sources

Google
4.8 (26)
Facebook
5.0 (17)

Why choose this provider?

Vision Quest Lending caters to clients throughout the Tustin metro. The company advises existing homeowners looking to refinance their mortgages to achieve financial goals like lowered interest rates. It provides an online refinance calculator that visualizes the impact of the client's decision on their finances. The company also deals with aspiring homeowners and offers various programs from different government agencies, including the FHA and VA. These include an FHA 203K loan, a solution that allows borrowers to finance home improvement projects.

  • New Construction

Best Mortgage Refinance Companies Serving Tustin
161 Fashion Lane, Suite 206, Tustin, CA 92780
Visit WebsiteLicense: 302948

Expertise.com Rating

Review Sources

Google
4.4 (96)
Facebook
4.5 (73)
Yelp
3.5 (41)

Why choose this provider?

Santiago Financial, Inc., is a manufactured home loan firm catering to residents in Tustin. The company assists mortgage borrowers who own homes of different ages, possess various scores of credit, and come from diverse financial backgrounds. Its team of professionals custom-tailors refinancing options to help homeowners maximize program benefits. Santiago Financial has been serving the community for over 40 years and can serve clients in Spanish. In addition, it offers solutions for mobile home and land owners.

  • Reverse Mortgages

Best Mortgage Refinance Companies Serving Tustin
16400 E Pacific Coast Hwy, Huntington Beach, CA 92649
Visit WebsiteLicense: 263090

Expertise.com Rating

Review Sources

Google
5.0 (48)
Facebook
5.0 (15)

Why choose this provider?

The Taylor Weiner Team serves the residents of Tustin and the surrounding communities. It helps clients obtain financial products that suit their needs when refinancing or purchasing homes. It assists individuals in applying for fixed-rate, adjustable-rate, FHA, VA, jumbo, and USDA loans. The company also offers reverse mortgages for homeowners aged 62 and older. One of the agency's loan officers, Dilza Herrod, has more than 12 years of industry experience and is fluent in both English and Spanish.

  • New Construction
  • Reverse Mortgages

Best Mortgage Refinance Companies Serving Tustin
2522 Chambers Rd., Tustin, CA 92780
Visit WebsiteLicense: 1488745

Expertise.com Rating

Review Sources

Google
5.0 (62)
Yelp
5.0 (6)

Why choose this provider?

RWB Lending provides mortgage services to individuals and families throughout the Tustin metro. It offers various loan options with fixed and adjustable rates, including FHA and VA. These options allow clients to purchase homes suitable for their budgets and goals. In addition to home purchase mortgages, the company assists homeowners in applying for equity loans to help them obtain cash for home improvement, debt consolidation, or vacation funds. One of its team members, Alex Zelada, brings two decades of mortgage experience.

  • Reverse Mortgages

Best Mortgage Refinance Companies Serving Tustin
1913 E 17th St Suite 109, Santa Ana, CA 92705
Visit WebsiteLicense: 295073

Expertise.com Rating

Review Sources

Google
5.0 (41)
Facebook
5.0 (11)

Why choose this provider?

Lendia is a residential mortgage company that walks clients through the process of purchasing, refinancing, or investing in a home in Tustin and the surrounding areas. Its loan officers help clients obtain a lower interest rate or take out cash from their equity by refinancing their existing mortgage into a new VA streamline or cash-out refinance. Conventional and government-backed FHA loans are also available for those purchasing a home for the first time or as an investment property.

  • New Construction

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
Express Capital
2552 Walnut Ave Ste 220, Tustin, CA 92780
West Capital Lending
202 Fashion Ln Ste. 223, Tustin, CA 92780
United Finance Corporation
17822 17th St. Suite 110, Tustin, CA 92780
Rate Plus
18012 Cowan, Suite 200, Irvine, CA 92614
TransUnited Financial Services, Inc.
17341 Irvine Blvd, Tustin, CA 92780
Jay Rodriguez
1805 E. Garry Avenue, Santa Ana, CA 92705
Equinox Home Financing
17291 Irvine Blvd Suite 400, Tustin, CA 92780
Vision Quest Lending
2860 Michelle Drive, Irvine, CA 92606
Santiago Financial, Inc.
161 Fashion Lane, Suite 206, Tustin, CA 92780
The Taylor Weiner Team
16400 E Pacific Coast Hwy, Huntington Beach, CA 92649
RWB Lending
2522 Chambers Rd., Tustin, CA 92780
Lendia
1913 E 17th St Suite 109, Santa Ana, CA 92705

Tustin, CA Mortgage Refinance FAQs

  • How much can an individual receive from a conventional cash-out refinance in Tustin?

    In a conventional cash-out refinance, Tustin residents can get up to 80% of their home's value and monthly mortgage payments. For example, a property owner with $500,000 in equity can get a conventional refinance loan up to $400,000 in size. However, the borrower in Tustin must subtract the amount owed on their mortgage to determine how much they can withdraw, so if they have a current mortgage balance of $150,000, they can withdraw a maximum of $250,000.

  • Why do individuals need a good credit score to apply for mortgages in Tustin?

    Borrowers in Tustin with good credit, including amounts owed, types of credit, and payment history, can get the best interest rate and mortgage terms. A good credit score reflects a borrower's ability to repay debts and can assist lenders in determining whether they are worth the risk. A conventional mortgage in Tustin requires applicants to have a minimum credit score of 620, whereas government programs, such as FHA and VA, require a minimum credit score of 500 to 680.

  • Are individuals with a student loan allowed to apply for an FHA loan in Tustin?

    Individuals with student loans in Tustin can still apply for an FHA loan if their backend debt-to-income ratio is less than 43%. For example, if they earn $5,000 per month, their total student loan debt, including a possible mortgage, cannot exceed $2,150. To qualify for an FHA loan in Tustin, the borrower's student loan must also be in repayment.

  • Where to file a complaint against a mortgage company in Tustin?

    Victims of financial fraud or scams perpetrated by a Tustin mortgage company may file a complaint with the Department of Financial Protection & Innovation (DFPI). They can discuss the problem by calling the administrative agency's toll-free number at 866-275-2677 or submitting a complaint form on their website. The DFPI will then investigate the dispute and take appropriate enforcement action, such as suspending the respondent's license, levying penalties, or prohibiting the individual from participating in a regulated sector in Tustin.

  • What are the requirements to apply for the CalHFA VA program in Tustin?

    Residents of Tustin who live in a property such as condominiums or single-family homes as their primary residence are eligible for the California Housing Finance Agency (CalHFA) VA program. Applicants must meet the income limit of $253,000, present a VA Home Loan Certificate of Eligibility, and complete the homebuyer education counseling course. CalHFA requires first-time homeowners in Tustin to complete the eHome's eight-hour homebuyer education and counseling course online or in person at any HUD-approved housing counseling agency.