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 Monterey, 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.
TreeHouse Mortgage Group
288 Pearl St floor 2, Monterey, CA 93940
8316451160
PrimeLending, A PlainsCapital Company - Monterey
24560 Silver Cloud Ct STE 105, Monterey, CA 93940
8316451050
Jeff McMullen at CrossCountry Mortgage
2 Lower Ragsdale Dr Suite 130, Monterey, CA 93940
8312052066
Travis Erb - Mortgage Broker
Serving the Central Valley, 777 Cass St, Monterey, CA 93940
5593492635
Trevor Moore at CrossCountry Mortgage
2 Lower Ragsdale Dr Suite 130, Monterey, CA 93940
8319157718
Shannon James | Mortgage Advisor
777 Cass St, Monterey, CA 93940
8318699153
Darius Livian, NMLS #255341, PrimeLending
24560 Silver Cloud Ct STE 105, Monterey, CA 93940
8316451050
Bridget Hughbanks Villicana at CrossCountry Mortgage
2 Lower Ragsdale Dr Suite 130, Monterey, CA 93940
8319205383
Mike Gallagher at CrossCountry Mortgage
2 Lower Ragsdale Dr Suite 130, Monterey, CA 93940
4089306064
A Team Mortgage Advisors
777 Cass St, Monterey, CA 93940
8319010598
California Mortgage and Realty
1340 Munras Ave Unit 100, Monterey, CA 93940
8312291104
Wendy Bluhm - CMG Home Loans Mortgage Loan Officer NMLS# 876698
665 Munras Ave Suite 200, Monterey, CA 93940
8312778210
Chase Home Lending
291 Alvarado St, Monterey, CA 93940
8318184909
Galen Call Certified Reverse Mortgage Professional
TreeHouse Mortgage Group, 288 Pearl St floor 2, Monterey, CA 93940
8316451164
Mortgage, Bank of America
200 E Franklin St, Monterey, CA 93940
8312986334
Pacific Inland Home Mortgage
1010 Cass St B-4, Monterey, CA 93940
8316552600
Kensington Capital Group
513 Hartnell St #A, Monterey, CA 93940
8312383488
What Does a Mortgage Refinance Company in Monterey Cost?
Typical costs for a mortgage refinance in California include an origination fee of 0.5 percent to 1 percent of the loan amount, an appraisal fee of 400 to 700 dollars, and title insurance of 500 to 1,500 dollars. Third party costs like escrow and recording fees add 300 to 800 dollars. Total closing costs often range from 2,000 to 5,000 dollars or more depending on loan size and property location. 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 Monterey?
You typically need pay stubs, tax returns, bank statements, and a property appraisal. California lenders must follow the Homeowner Bill of Rights which limits certain fees and requires clear disclosures.
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 work takes longer. Your lender must provide a Closing Disclosure at least three business days before closing.
Can I refinance with a low credit score in Monterey?
Yes, some California refinance programs allow scores as low as 580 for FHA loans or 620 for conventional loans. Your interest rate and terms will depend on your credit history and loan type. Local lenders can review your specific situation.