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 4 mortgage refinance companies in Foothill Ranch, 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.
Valorem Lending
26672 Towne Centre Dr Ste 125, Foothill Ranch, CA 92610
8558256736
SoCal Purchase Loans
26632 Towne Centre Dr Suite 301, Foothill Ranch, CA 92610
8584013332
Haven West Mortgage
26632 Towne Centre Dr # 300, Foothill Ranch, CA 92610
8009921900
Indeed Mortgage Lending
27422 Portola Pkwy Ste 200, Foothill Ranch, CA 92610
9495678155
What Does a Mortgage Refinance Company in Foothill Ranch Cost?
Typical costs for a mortgage refinance in California range from 2% to 6% of the loan amount. For a $500,000 loan, that means $10,000 to $30,000 in closing costs. These costs include the appraisal fee ($400 to $700), title insurance ($1,000 to $2,500), and lender origination fees. Some lenders offer no-closing-cost refinances, but those usually come with a higher interest rate. This information is general 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 Foothill Ranch?
You typically need recent pay stubs, tax returns, bank statements, and a valid ID. California lenders also require a property appraisal to confirm the home value. Gather these items before you apply 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 happen if the appraisal or underreview takes longer than expected. Your lender must give you a Closing Disclosure at least three business days before the closing date.
Are there California specific fees for refinancing a mortgage?
Yes, California charges a documentary transfer tax when the deed is recorded. This tax is usually based on the loan amount and varies by county. You may also pay title insurance, escrow fees, and recording fees.