ADVERTISING DISCLOSURE: BeforeMortgageUSA.com is an informational directory, not an mortgage company or broker. We do not sell insurance or provide mortgage or financial advice. No broker-client relationship is created by using this site. No broker listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Directory of mortgage refinance companies in Morro Bay, California. Verify credentials with the state mortgage licensing authority before hiring.
8 agents listed
Updated May 2026
Morro Bay, 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 Morro Bay, 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.
Envoy Mortgage - Morro Bay, CA
310 Morro Bay Blvd Suite 101, Morro Bay, CA 93442
8052256166
Sean Mertens - Assist Home Loans
1185 Las Tunas St, Morro Bay, CA 93442
8055409909
Steve Dinielli
310 Morro Bay Blvd, Morro Bay, CA 93442
8057723863
Central Coast Lending
601 Morro Bay Blvd Suite B, Morro Bay, CA 93442
8055435626
Michael McAvoy - Chase Home Lending Advisor - NMLS ID 1547403
595 Morro Bay Blvd, Morro Bay, CA 93442
8057724478
EstaR Reverse
798 Morro Bay Blvd STE E, Morro Bay, CA 93442
8052036872
Reverse Mortgage Specialist
365 Surf St, Morro Bay, CA 93442
8057723658
Chase Home Lending
595 Morro Bay Blvd, Morro Bay, CA 93442
8057724478
A mortgage refinance company in Morro Bay California helps homeowners replace their existing home loan with a new one. This can lower monthly payments or change loan terms. California law requires lenders to provide clear disclosures under the Truth in Lending Act and California Civil Code Section 10240 for certain refinances.
What Does a Mortgage Refinance Company in Morro Bay Cost?
Typical costs for a mortgage refinance in California range from 2 to 5 percent of the loan amount. This includes an appraisal fee of 400 to 700 dollars, title insurance of 500 to 1,500 dollars, and lender origination fees of 1,000 to 3,000 dollars. Costs vary by loan size and lender. This is general information, 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 in Morro Bay?
You typically need pay stubs, tax returns, bank statements, and a property appraisal. California lenders also require a signed application and a Good Faith Estimate under state law.
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.
Free • No Obligation
Compare Mortgage Refinance Companies
Get matched with agents in Morro Bay who handle your type of case.
Affiliate Form Embed
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party legal marketing service. BeforeMortgageUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any broker. Your information is collected and handled by the form provider according to their privacy policy.
Legal Notice
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.