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Find Mortgage Refinance Companies Near You in Lompoc, CA
Directory of mortgage refinance companies in Lompoc, California. Verify credentials with the state mortgage licensing authority before hiring.
6 agents listed
Updated May 2026
Lompoc, 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 6 mortgage refinance companies in Lompoc, 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.
Leachman Home Loans
100 E Ocean Ave, Lompoc, CA 93436
8057358687
John Maida Real Estate & LOANS
120 N A St, Lompoc, CA 93436
8057433611
Chase Home Lending
1508 N H St, Lompoc, CA 93436
3032444050
Homebridge Financial Services, Inc.
112 N H St Suite 114, Lompoc, CA 93436
8052467614
Envoy Mortgage - Lompoc, CA
3775 Constellation Rd Suite 3, Lompoc, CA 93436
8059441812
Jennifer CruzAgency
1201 E Ocean Ave, Lompoc, CA 93436
8058190821
Mortgage refinance companies in Lompoc California help homeowners replace their existing home loan with a new one. This process can lower monthly payments or change loan terms. California law requires lenders to provide clear disclosures under the Truth in Lending Act and state regulations like the California Residential Mortgage Lending Act.
What Does a Mortgage Refinance Company in Lompoc Cost?
Typical costs for refinancing a mortgage in California include an appraisal fee of 400 to 700 dollars an origination fee of 0.5 to 1 percent of the loan amount and title insurance costs of 500 to 1 500 dollars. Recording fees in Santa Barbara County are around 50 to 100 dollars. Total closing costs often range from 3 000 to 8 000 dollars depending on loan size and lender. 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 Lompoc?
You typically need pay stubs tax returns bank statements and a recent mortgage statement. Lenders also require a home appraisal to determine your propertys current value. California law does not set a specific list but most lenders follow federal guidelines.
How long does a mortgage refinance take in California?
The process usually takes 30 to 45 days from application to closing. California law does not mandate a specific timeline but lenders must provide a Loan Estimate within three business days of receiving your application. Delays can occur if additional documentation is needed.
Are there fees for refinancing a mortgage in Lompoc?
Yes refinancing includes costs such as an appraisal fee origination fee title insurance and recording fees. In California these costs typically range from 2 to 5 percent of the loan amount. Some lenders offer no-closing-cost options but they may result in a higher interest rate.
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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.