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Compare Mortgage Refinance Companies in El Centro, CA

Compare mortgage refinance companies in El Centro. Review contact information and insurance categorys before you decide.

18 agents listed
Updated June 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 State Mortgage Licensing Authority of 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
(760) 592-0979
PrimeLending, A PlainsCapital Company - El Centro
1503 N Imperial Ave Suite 101A, El Centro, CA 92243
(760) 337-1253 lo.primelending.com
Daniel Torres Home Loans
1405 N Imperial Ave suite a, El Centro, CA 92243
(760) 960-8463
Envision Home Loans by Efinity Mortgage - El Centro
1409 W State St, El Centro, CA 92243
(760) 336-3911 efinitymortgage.com
Rise Credit Solutions
1503 N Imperial Ave # 103, El Centro, CA 92243
(760) 239-9290 gorisecredit.com
Cornerstone First Mortgage: Eddie Cardenas
1379 N Imperial Ave, El Centro, CA 92243
(760) 886-5555 cfmtg.com
Edward Alcantar @ Efinity Mortgage
1409 W State St, El Centro, CA 92243
(760) 562-0448 eduardoalcantar.floify.com
Giselle Sesma Hunt-Home Loans #263645
1409 W State St, El Centro, CA 92243
(760) 960-3324 gisellehunt.wixsite.com
Braulio Ramirez - Loan Officer
428 N Imperial Ave, El Centro, CA 92243
(619) 371-2634 macmortgage.net
Aurora Serrano
1409 W State St, El Centro, CA 92243
(760) 540-9866 auroraserrano.floify.com
Guild Mortgage - Lisa Winkler
300 S Imperial Ave # 2, El Centro, CA 92243
(253) 460-6200 branches.guildmortgage.com
Mr. Mortgage Inc
1596 S Imperial Ave, El Centro, CA 92243
(760) 352-7000 mrmortgageinc.com
IV Alliance Mortgage & Real Estate
395 Broadway, El Centro, CA 92243
(760) 370-0042 ivalliance.com
Guild Mortgage Company
300 S Imperial Ave # 2, El Centro, CA 92243
(760) 960-4246 branches.guildmortgage.com
loanDepot
1523 Main St #109, El Centro, CA 92243
(760) 707-0400 loandepot.com
Cesar Hernandez - Envision Home Loans by Efinity Mortgage - El Centro
1409 W State St, El Centro, CA 92243
(760) 336-3911 efinitymortgage.com
Mario Olvera
428 N Imperial Ave, El Centro, CA 92243
(760) 592-4674
Broadway Refinance
394 Broadway, El Centro, CA 92243
(855) 463-9221

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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