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 17 mortgage refinance companies in Encinitas, 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.
Dave Pennington at CrossCountry Mortgage
322 Encinitas Blvd #170, Encinitas, CA 92024
6199949723
Hougard Loans, Bayshore Home Loans
700 2nd St Suite E, Encinitas, CA 92024
8009822680
Moose Mau
144 W D St Suite 115, Encinitas, CA 92024
6192519776
BluPrint Home Loans
607 N Vulcan Ave Unit 6, Encinitas, CA 92024
8884054580
Zachary Taylor at CrossCountry Mortgage, LLC
322 Encinitas Blvd #170, Encinitas, CA 92024
6198137908
Laura Silva- APM - Encinitas, American Pacific Mortgage, Inc.
527 Encinitas Blvd STE 202, Encinitas, CA 92024
8585185491
Kolby Gibson- APM- Encinitas / American Pacific Mortgage, Inc.
515 Encinitas Blvd #202, Encinitas, CA 92024
7605572230
C2MortgageGroup
1480 Tennis Match Way, Encinitas, CA 92024
7608401230
Hargrave Home Loans - Mortgage Broker
208 W J St, Encinitas, CA 92024
8583040572
MyPrimeHomeLoan.com LLC
1084 N El Camino Real B138, Encinitas, CA 92024
8006006745
Marc Datnow at Rate (NMLS #1707820)
617 Saxony Pl Suite 101, Encinitas, CA 92024
6195353170
IFC Mortgage
326 Encinitas Blvd Suite 200, Encinitas, CA 92024
7609436777
American Pacific Mortgage, Inc. - Yancy Martinson
515 Encinitas Blvd #202, Encinitas, CA 92024
7606121454
The Home Loan Collective - NEO Home Loans
662 Encinitas Blvd Ste. 201, Encinitas, CA 92024
8584019353
Clay Robison - Mortgage Advisor
527 Encinitas Blvd STE 202, Encinitas, CA 92024
8583355626
Jeff Cooper Home Loans and Refinancing
511 S Coast Hwy 101, Encinitas, CA 92024
7608558825
Colin P. Hammond - Chase Home Lending Advisor - NMLS ID 679719
1080 N El Camino Real, Encinitas, CA 92024
4152255530
What Does a Mortgage Refinance Company in Encinitas Cost?
Typical costs for a mortgage refinance in California include an appraisal fee of 400 to 700 dollars, loan origination fees of 0.5 to 1 percent of the loan amount, and title insurance costs of 500 to 1,500 dollars. Other fees may include credit report charges, recording fees, and escrow costs. Total closing costs often range from 2 to 5 percent of the loan principal. 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 is the first step to refinance a mortgage in Encinitas?
The first step is to gather your financial documents, including pay stubs, tax returns, and bank statements. Then contact a licensed mortgage refinance company to discuss your goals and get a loan estimate. The company will review your credit score and home equity to determine eligibility.
How long does a typical 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 is slow or if additional documentation is needed. California law requires lenders to provide a Loan Estimate within three business days of application.