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Find Mortgage Refinance Companies Near You in Desert Hot Springs, CA
Directory of mortgage refinance companies in Desert Hot Springs, California. Verify credentials with the state mortgage licensing authority before hiring.
5 agents listed
Updated May 2026
Desert Hot Springs, 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 Desert Hot Springs, 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.
PNC Mortgage
66565 Pierson Blvd, Desert Hot Springs, CA 92240
7603294411
Happy Investments, Inc. Desert Hot Springs Ca
14080 Palm Dr ste d # 227a, Desert Hot Springs, CA 92240
7606606221
Mortgage Loans
66500 Buena Vista Ave, Desert Hot Springs, CA 92240
7604136812
Fusion Lending Corp
15825 Ave Manzana, Desert Hot Springs, CA 92240
7602221642
Chase Mortgage
13000 Palm Dr, Desert Hot Springs, CA 92240
7603291442
A mortgage refinance company in Desert Hot Springs can help you lower your interest rate, change your loan term, or access home equity. California law requires lenders to provide clear loan estimates and follow strict disclosure rules under the Truth in Lending Act. Local companies understand the unique housing market in the Coachella Valley and can guide you through the refinance process.
What Does a Mortgage Refinance Company in Desert Hot Springs Cost?
Typical costs for a mortgage refinance in California range from 2 to 5 percent of the loan amount. For a 300,000 dollar loan, this means 6,000 to 15,000 dollars in fees. Common costs include an appraisal fee of 400 to 700 dollars, loan origination fees, and title insurance. Riverside County adds a documentary transfer tax of 1.10 dollars per 1,000 dollars of the loan amount. 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 Desert Hot Springs?
You typically need recent pay stubs, tax returns, bank statements, and a valid ID. California lenders also require a property appraisal and proof of homeowners insurance. Gather these documents before applying to speed up the process.
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 takes longer or if additional documents are needed. Your lender must provide a Loan Estimate within three business days of your application.
Are there any California-specific fees for refinancing?
Yes, California charges a documentary transfer tax on the new loan amount, which varies by county. Riverside County has its own transfer tax rate. You may also pay recording fees, title insurance, and escrow fees. Ask your lender for a full fee breakdown.
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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.