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Directory of mortgage refinance companies in El Cajon, California. Verify credentials with the state mortgage licensing authority before hiring.
8 agents listed
Updated May 2026
El Cajon, CA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the California before hiring.
Showing 8 mortgage refinance companies in El Cajon, CA
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
PRMG
846 E Washington Ave, El Cajon, CA 92020
6194449993
Granite Mortgage, Inc.
2614 Navajo Rd, El Cajon, CA 92020
6197189909
Ratesale.com
1297 W Main St, El Cajon, CA 92020
6197975626
Team Zara Home Loans
250 E Chase Ave suit 107, El Cajon, CA 92020
6199404740
Consolidated Lenders Group, Inc
2037 Shire Dr, El Cajon, CA 92019
6194471417
Exceptional Mortgage
303 E Main St, El Cajon, CA 92020
8585031220
Legacy Capital Group
1255 Avocado Ave Suite 102, El Cajon, CA 92020
6195696091
Happy Investments, Inc. El Cajon Ca
772 Jamacha Rd # 120D, El Cajon, CA 92019
6194931450
Mortgage refinance companies in El Cajon, California help homeowners lower their interest rates, reduce monthly payments, or switch loan types. California law requires lenders to provide a Loan Estimate within three business days of receiving a complete application. Local El Cajon companies understand the San Diego County real estate market and can guide you through the refinance process.
What Does a Mortgage Refinance Company in El Cajon Cost?
Typical costs for refinancing a mortgage in California include an appraisal fee of 400 to 700 dollars, loan origination fees of 0.5 to 1.5 percent of the loan amount, and title insurance costing 500 to 1,500 dollars. Third-party fees such as escrow and recording fees add another 300 to 800 dollars. Total closing costs often range from 2,000 to 7,000 dollars. This is general information and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What documents do I need to refinance a mortgage in El Cajon?
You typically need pay stubs, tax returns, bank statements, and a valid ID. California lenders may also require proof of homeowners insurance and a property appraisal.
How long does a mortgage refinance take in California?
A standard refinance in California usually takes 30 to 45 days from application to closing. Delays can occur if the appraisal or underreview takes longer than expected.
Are there any California laws that affect mortgage refinancing?
Yes, California Civil Code Section 1916.5 limits prepayment penalties on certain loans. Also, lenders must follow the California Homeowner Bill of Rights, which provides protections against foreclosure.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the California.