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Compare mortgage refinance companies in Watsonville. Review contact information and insurance categorys before you decide.
11 agents listed
Updated May 2026
Watsonville, 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 11 mortgage refinance companies in Watsonville, 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.
Bay Equity Lending: Fernando Vicente, Mortgage Broker
54 Penny Ln Ste D, Watsonville, CA 95076
8312340336
James Saville II at Concept Mortgage
821 E Lake Ave, Watsonville, CA 95076
8315353954
Prime Home Loans
320 E Lake Ave, Watsonville, CA 95076
8317612200
Concept Mortgage
821 E Lake Ave, Watsonville, CA 95076
8317226250
Seabright Mortgage
120 Aviation Way Suite 5B, Watsonville, CA 95076
8314257880
Karma Mortgage Solutions
159 Westridge Dr, Watsonville, CA 95076
8314622496
Joanna Sandoval - 450753 - Wells Fargo Home Mortgage
326 Main St, Watsonville, CA 95076
8312341229
Lewis Associates
128 E Beach St, Watsonville, CA 95076
8317228935
Saville Mortgage
540 Main St, Watsonville, CA 95037
8315353954
Chase Home Lending
630 Main St, Watsonville, CA 95076
9096339110
U.S. Bank-Mortgage Loan Officer-Russel Miller
655 Main St, Watsonville, CA 95076
6693423553
Mortgage refinance companies in Watsonville California help homeowners lower their interest rates or change loan terms. California law requires lenders to provide a Loan Estimate within three business days of application. Watsonville residents can use these services to access equity or reduce monthly payments.
What Does a Mortgage Refinance Company in Watsonville Cost?
Typical costs for a mortgage refinance in California range from 2 to 5 percent of the loan amount. This includes appraisal fees title insurance and origination charges. For a 400000 dollar loan costs may be 8000 to 20000 dollars. However actual costs vary by lender loan type and property value. 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 for mortgage refinance in Watsonville?
You typically need pay stubs tax returns bank statements and a photo ID. California lenders may also require proof of homeowners insurance. Each company has its own list so ask in advance.
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 appraisals or title searches take longer. Your lender will provide a timeline estimate.
Are there California laws that protect me during refinancing?
Yes California has a three day right of rescission for most refinances giving you time to cancel. Lenders must also follow the Homeowner Bill of Rights which limits certain fees. Always review your Loan Estimate carefully.
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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.