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Showing 3 mortgage refinance companies in Santa Paula, 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.
Triple C Mortgage Inc
138 N 10th St, Santa Paula, CA 93060
8059338100
Silver Mortgage Group Santa Paula
330 W Harvard Blvd suite b, Santa Paula, CA 93060
8054799283
Chase Mortgage
539 W Harvard Blvd, Santa Paula, CA 93060
8059339073
What Does a Mortgage Refinance Company in Santa Paula Cost?
Typical costs for a mortgage refinance in California include an origination fee of 0.5% to 1% of the loan amount, appraisal fees from 400 to 700 dollars, and title insurance costs of 500 to 1,500 dollars. Third-party fees like credit report charges and recording fees add 100 to 300 dollars. Total closing costs often range from 2% to 5% 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 my mortgage in Santa Paula?
You typically need recent pay stubs, tax returns, bank statements, and proof of homeowners insurance. California lenders may also require a property appraisal to confirm the home value. Each lender has specific requirements, so ask your refinance company for a full list.
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 happen if the appraisal is slow or if additional documents are needed. California law does not set a fixed timeline, but lenders must provide a Loan Estimate within three business days of your application.
Are there California-specific rules for refinancing a mortgage?
Yes, California has a right of rescission period that gives you three business days after signing to cancel the refinance without penalty. Lenders must also follow the California Homeowner Bill of Rights, which limits certain fees and requires clear communication. Always review the Loan Estimate and Closing Disclosure carefully.