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Looking for a mortgage refinance company in Downey? Review the directory below to compare your options.
20 agents listed
Updated May 2026
Downey, 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 20 mortgage refinance companies in Downey, 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.
American Financial Network, Inc.
8505 E Florence Ave, Downey, CA 90240
5628611414
Home Central Financial, Reverse Mortgage, Refinance, Va, Fha, Downey
7847 Florence Ave #101, Downey, CA 90240
5628819811
Home Central Financial, Reverse Mortgage, Refinance, Va, Fha, Downey
7847 Florence Ave #101, Downey, CA 90240
5628819811
EZ Fundings Inc.
8207 3rd St UNIT 102, Downey, CA 90241
5623999200
PRMG
8104 3rd St, Downey, CA 90241
5622315620
RGC Capital Inc.
9040 Telegraph Rd Suite 200, Downey, CA 90240
8772383837
1st Choice Lending, Downey
8141 2nd St #603, Downey, CA 90241
5623965050
Pillar Financial
8320 Florence Ave, Downey, CA 90240
5623020254
Jesus Olvera - Elite Mortgage Pros
8103 3rd St #1, Downey, CA 90241
5628333662
Bryan Camacho - Mortgage Lender | Dream Home Funding
A mortgage refinance company in Downey California helps homeowners replace their existing home loan with a new one. California law requires lenders to provide a Loan Estimate within three business days of application. Local Downey companies understand the Los Angeles County real estate market and can guide you through the refinance process.
What Does a Mortgage Refinance Company in Downey 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 $1,000 to $2,500. Third-party fees such as escrow and recording fees add $500 to $1,500. 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 a mortgage in Downey?
You typically need pay stubs, tax returns, bank statements, and a photo ID. California lenders also require a property appraisal. The exact list depends on your loan type and income source.
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 takes longer or if there are title issues. California law does not set a specific maximum time limit for the process.
Are there California-specific rules for refinancing a home?
Yes. California Civil Code Section 1026.5 requires lenders to give you a three-day right of rescission after signing. This means you can cancel the refinance for any reason within three business days. Also, California caps prepayment penalties on most loans.
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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.