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Find Mortgage Refinance Companies Near You in El Centro, CA
Directory of mortgage refinance companies in El Centro, California. Verify credentials with the state mortgage licensing authority before hiring.
18 agents listed
Updated May 2026
El Centro, 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 18 mortgage refinance companies in El Centro, 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.
Legacy Real Estate and Home Loans
220 S 3rd St, El Centro, CA 92243
7605920979
PrimeLending, A PlainsCapital Company - El Centro
1503 N Imperial Ave Suite 101A, El Centro, CA 92243
7603371253
Daniel Torres Home Loans
1405 N Imperial Ave suite a, El Centro, CA 92243
7609608463
Envision Home Loans by Efinity Mortgage - El Centro
1409 W State St, El Centro, CA 92243
7603363911
Rise Credit Solutions
1503 N Imperial Ave # 103, El Centro, CA 92243
7602399290
Cornerstone First Mortgage: Eddie Cardenas
1379 N Imperial Ave, El Centro, CA 92243
7608865555
Edward Alcantar @ Efinity Mortgage
1409 W State St, El Centro, CA 92243
7605620448
Giselle Sesma Hunt-Home Loans #263645
1409 W State St, El Centro, CA 92243
7609603324
Braulio Ramirez - Loan Officer
428 N Imperial Ave, El Centro, CA 92243
6193712634
Aurora Serrano
1409 W State St, El Centro, CA 92243
7605409866
Guild Mortgage - Lisa Winkler
300 S Imperial Ave # 2, El Centro, CA 92243
2534606200
Mr. Mortgage Inc
1596 S Imperial Ave, El Centro, CA 92243
7603527000
IV Alliance Mortgage & Real Estate
395 Broadway, El Centro, CA 92243
7603700042
Guild Mortgage Company
300 S Imperial Ave # 2, El Centro, CA 92243
7609604246
loanDepot
1523 Main St #109, El Centro, CA 92243
7607070400
Cesar Hernandez - Envision Home Loans by Efinity Mortgage - El Centro
1409 W State St, El Centro, CA 92243
7603363911
Mario Olvera
428 N Imperial Ave, El Centro, CA 92243
7605924674
Broadway Refinance
394 Broadway, El Centro, CA 92243
8554639221
A mortgage refinance company in El Centro California helps homeowners replace their current home loan with a new one. California law requires lenders to provide a Loan Estimate within three business days of receiving a complete application. Local El Centro residents may refinance to lower their interest rate or change loan terms.
What Does a Mortgage Refinance Company in El Centro Cost?
Typical costs for a mortgage refinance in California include an appraisal fee of 400 to 700 dollars, loan origination fees of 0.5 to 1.5 percent of the loan amount, and title insurance costs of 500 to 1,500 dollars. Closing costs usually total 2 to 5 percent of the new loan amount. 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 El Centro?
You will need pay stubs, tax returns, bank statements, and a photo ID. California lenders also require proof of homeowners insurance and a property appraisal.
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.
Can I refinance if I have a low credit score in El Centro?
Yes, but you may face higher interest rates or stricter requirements. California law does not set a minimum credit score, but most lenders look for a score of 620 or higher.
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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.