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 12 mortgage refinance companies in Laguna Niguel, 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.
Cornerstone Home Lending
28202 Cabot Rd office 330 & 347, Laguna Niguel, CA 92677
9499392907
Chris Chudacoff / True Point Lending
28202 Cabot Rd #300, Laguna Niguel, CA 92677
9496332919
Sabina Adamski at Guaranteed Rate Affinity (NMLS 1598145)
28051 Greenfield Dr A Ste, Laguna Niguel, CA 92677
9495912787
Network Lending Services
30131 Town Center Dr #180, Laguna Niguel, CA 92677
9497979188
Mortgage Moon
28202 Cabot Rd UNIT 100, Laguna Niguel, CA 92677
8003857590
Logical Home Lending
23807 Aliso Creek Rd #202, Laguna Niguel, CA 92677
3102835410
The Mortgage Partner
30100 Crown Valley Pkwy # 11, Laguna Niguel, CA 92677
9492493067
David Martins, Loan Officer at Mortgage Grader
23807 Aliso Creek Rd #210, Laguna Niguel, CA 92677
9495848876
Lucia Solis at Guaranteed Rate Affinity (NMLS #260848)
28051 Greenfield Dr Ste A, Laguna Niguel, CA 92677
5625872669
La Paz Mortgage INC
30131 Town Center Dr #177, Laguna Niguel, CA 92677
9497706067
Mortgage Grader
23807 Aliso Creek Rd #210, Laguna Niguel, CA 92677
9493899333
Hayward Capital Inc
28202 Cabot Rd #300, Laguna Niguel, CA 92677
8003391055
What Does a Mortgage Refinance Company in Laguna Niguel Cost?
Typical costs for a mortgage refinance in California include an origination fee of 0.5% to 1% of the loan amount, an appraisal fee of $400 to $700, and title insurance costs of $1,000 to $2,500. Closing costs generally range from 2% to 5% of the loan principal. These costs vary by lender and loan type. 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 Laguna Niguel?
You typically need pay stubs, tax returns, bank statements, and a valid ID. California lenders may also ask for 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 title search takes longer than expected.
Are there California specific rules for refinancing?
Yes, California law limits prepayment penalties on most mortgages. Also, lenders must follow the California Homeowner Bill of Rights, which provides protections against foreclosure during the refinance process.