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 Arcata, California. Verify credentials with the state mortgage licensing authority before hiring.
5 agents listed
Updated May 2026
Arcata, 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 5 mortgage refinance companies in Arcata, 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.
Bailey Mortgage
934 H St, Arcata, CA 95521
7078229294
Rick Bailey Mortgage Unlimited
934 H St, Arcata, CA 95521
7078229294
Hii Mortgage Loans Arcata Ca
684 Hidden Creek Rd E, Arcata, CA 95521
7073888799
Chase Mortgage
780 7th St, Arcata, CA 95521
7078268600
US Bank Mortgage
953 G St, Arcata, CA 95521
8008722657
A mortgage refinance company in Arcata, California helps 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 can guide you through the process and explain state-specific requirements such as the California Homeowner Bill of Rights.
What Does a Mortgage Refinance Company in Arcata Cost?
Typical costs for a mortgage refinance in California include an origination fee of 0.5 to 1 percent of the loan amount, appraisal fees of 400 to 600 dollars, and title insurance of 500 to 1,000 dollars. Third-party fees such as credit report and recording fees add 100 to 300 dollars. Total closing costs often range from 2 to 5 percent of the loan principal. 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 a mortgage in Arcata?
You typically need recent pay stubs, tax returns, bank statements, and proof of homeowners insurance. California lenders may also request a property appraisal to confirm home value.
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.
Are there California laws that protect me during refinancing?
Yes. The California Homeowner Bill of Rights limits dual tracking and requires lenders to give you a single point of contact. You also have a three-day right of rescission after signing to cancel the loan.
Free • No Obligation
Compare Mortgage Refinance Companies
Get matched with agents in Arcata 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.