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Looking for a mortgage refinance company in Oceanside? Review the directory below to compare your options.
9 agents listed
Updated May 2026
Oceanside, 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 9 mortgage refinance companies in Oceanside, 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.
North Coast Financial, Inc. Hard Money Lenders
2424 Vista Way UNIT 202, Oceanside, CA 92054
7607222991
Pacific Coast Home Mortgage & Real Estate Inc
900 Pier View Wy, Oceanside, CA 92054
8888937775
Home Mortgage Experts
2103 S El Camino Real #108, Oceanside, CA 92054
8664115472
Nick Rodriguez at CrossCountry Mortgage
805 College Blvd #103, Oceanside, CA 92057
6193043888
Military Mortgage Group
805 College Blvd Suite 103, Oceanside, CA 92057
7605475089
Maximum Mortgage & Real Estate, Inc.
603 Seagaze Dr #525, Oceanside, CA 92054
7603015758
Sea Monster Loans / C2 Financial Corporation
0 Pier View Wy, Oceanside, CA 92054
7608141882
Golden Coast Loans, Inc.
3402 Piazza De Oro Way STE 250, Oceanside, CA 92056
9497057702
Oceanside Ca Hii Loans
3784 Mission Ave #148-363E, Oceanside, CA 92058
7606076971
Mortgage refinance companies in Oceanside California help homeowners lower their interest rates or change loan terms. California law requires lenders to provide a Loan Estimate within three business days of application. This local market also offers options for cash-out refinancing under state consumer protections.
What Does a Mortgage Refinance Company in Oceanside Cost?
Typical costs for a mortgage refinance in California include an origination fee of 0.5 to 1 percent of the loan amount, an appraisal fee of 400 to 700 dollars, and title insurance of 500 to 1,500 dollars. Other fees may include credit report charges and recording fees. Total closing costs often range from 2 to 5 percent of the 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 for a mortgage refinance in Oceanside?
You typically need pay stubs, tax returns, bank statements, and a photo ID. California lenders also require a property appraisal to confirm home value.
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 or title search takes longer.
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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.