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Compare Mortgage Refinance Companies in San Luis Obispo, CA

Browse mortgage refinance companies serving San Luis Obispo, California. Contact information and addresses listed below.

19 agents listed
Updated May 2026
San Luis Obispo, 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 19 mortgage refinance companies in San Luis Obispo, 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.
Assist Home Loans
1410 Noveno Ave, San Luis Obispo, CA 93401
8057570544
Pacific Trust Mortgage
735 Tank Farm Rd, San Luis Obispo, CA 93401
8055434422
Landon Spitler at Certainty Home Lending (NMLS #633244)
895 Pismo St, San Luis Obispo, CA 93401
8054710243
Donna Lewis at Rate (NMLS #245945)
1065 Higuera St Suite 100, San Luis Obispo, CA 93401
8053358743
Ben Lerner at Certainty Home Lending (NMLS #395723)
895 Pismo St, San Luis Obispo, CA 93401
8054419486
Arrona Financial: David Arrona, Mortgage Broker
599 Higuera St f, San Luis Obispo, CA 93401
8055440160
Jeff Meyers at CrossCountry Mortgage
846 Higuera St # 5, San Luis Obispo, CA 93401
8054409006
The Mortgage House
1103 Toro St, San Luis Obispo, CA 93401
8057826999
Carley Smith at Certainty Home Lending (NMLS #448442)
895 Pismo St, San Luis Obispo, CA 93401
7734357563
Dylan Morrow at Rate
1065 Higuera St, San Luis Obispo, CA 93401
8055509742
Acquire Mortgage And Real Estate
1405 Garden St, San Luis Obispo, CA 93401
8055445626
Mike Poyntz - Motif Mortgage
1319 Marsh St STE 102, San Luis Obispo, CA 93401
8052340903
Primary Residential Mortgage, Inc.
1042 Pacific St # C, San Luis Obispo, CA 93401
8055460290
Kim Williams at Certainty Home Lending (NMLS #263247)
895 Pismo St, San Luis Obispo, CA 93401
8054716186
Bryan Hulburd at Rate (NMLS #2697595)
1065 Higuera St Suite 100, San Luis Obispo, CA 93401
8057187717
Central Coast Lending
1319 Marsh St, San Luis Obispo, CA 93401
8055435626
Bill Mott at Certainty Home Lending (NMLS #341086)
895 Pismo St, San Luis Obispo, CA 93401
8052345081
Kevin Cunningham at Certainty Home Lending (NMLS #633249)
895 Pismo St, San Luis Obispo, CA 93401
8054585178
SUNRISE MORTGAGE & INVESTMENT COMPANY
1065 Higuera St # 200, San Luis Obispo, CA 93401
8057816160

Mortgage refinance companies in San Luis Obispo help homeowners lower their interest rate or change loan terms. California law requires lenders to provide a Loan Estimate within three business days of application. Local companies understand the unique housing market in San Luis Obispo County.

What Does a Mortgage Refinance Company in San Luis Obispo Cost?

Typical costs for a mortgage refinance in California include an origination fee of 0.5 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 fees such as credit report and escrow charges add 100 to 500 dollars. 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 documents do I need to refinance a mortgage in San Luis Obispo?
You typically need recent pay stubs, tax returns, bank statements, and a property appraisal. California lenders must also provide a written list of required documents within three days of your application.
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.