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Looking for a mortgage refinance company in Capitola? Review the directory below to compare your options.
10 agents listed
Updated May 2026
Capitola, 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 10 mortgage refinance companies in Capitola, 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.
Academy Mortgage - Santa Cruz - Capitola
1500 41st Ave #100, Capitola, CA 95010
8314761624
Matthew Falconer at CrossCountry Mortgage
4145 Clares St Suite F, 2nd Floor, Capitola, CA 95010
8313594430
Guild Mortgage - Monica Bowman
1500 41st Ave #100, Capitola, CA 95010
8318182435
Financial Solution Home Loans- Reverse and Forward mortgages. Jeri Skipper
1840 41st Ave STE 205, Capitola, CA 95010
8318180299
Change Home Mortgage
523 Capitola Ave, Capitola, CA 95010
8314600202
Dwayne Dawson - Argus Home Loans Real Estate Financing
621 Capitola Ave, Capitola, CA 95010
8315887288
Jose Mendoza - Karma Mortgage Solutions
830 Bay Ave A, Capitola, CA 95010
8312347082
Supreme Lending Capitola
4510 Capitola Rd, Capitola, CA 95010
8314755626
CrossCountry Mortgage, LLC
4145 Clares St Suite F 2nd Floor, Capitola, CA 95010
8313594430
Guild Mortgage Company
1500 41st Ave #100, Capitola, CA 95010
8314761624
A mortgage refinance company in Capitola, 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. Capitola residents often refinance to take advantage of lower rates or to switch from an adjustable-rate to a fixed-rate mortgage.
What Does a Mortgage Refinance Company in Capitola Cost?
Typical costs for a mortgage refinance in California include an origination fee of 0.5% to 1% of the loan amount, an appraisal fee of $400 to $700, and title insurance of $500 to $1,500. Closing costs often total 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 for a mortgage refinance in Capitola?
You will need recent pay stubs, tax returns, bank statements, and proof of homeowners insurance. California lenders also require a property appraisal and a signed application form.
How long does a mortgage refinance take in California?
A typical refinance in California 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. California Civil Code Section 1026.36 limits prepayment penalties on most refinances. Lenders must also give you a three-day right of rescission after signing to cancel the loan without penalty.
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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.