ADVERTISING DISCLOSURE: BeforeMortgageUSA.com is an informational directory, not an mortgage company or broker. We do not sell insurance or provide mortgage or financial advice. No broker-client relationship is created by using this site. No broker listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Compare Mortgage Refinance Companies in Oxnard, CA
Directory of mortgage refinance companies in Oxnard, California. Verify credentials with the state mortgage licensing authority before hiring.
16 agents listed
Updated May 2026
Oxnard, 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 16 mortgage refinance companies in Oxnard, 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.
Frank Salazar - GEM Mortgage
2775 N Ventura Rd #102, Oxnard, CA 93036
8053123964
Nations Lending - Oxnard, CA Branch - NMLS: 1285985
400 E Esplanade Dr Suite 205, Oxnard, CA 93036
8442459529
Linda+Chad Gold Coast Team
1000 Town Center Dr #520, Oxnard, CA 93036
8052088951
Smart Home Mortgage - Larry Reyes
300 E Esplanade Dr Suite 455, Oxnard, CA 93036
8054157631
Jonathan Sandoval - The Sandoval Group PB: The Money Store
2775 N Ventura Rd Suite 211 Second Floor, Oxnard, CA 93036
8057541921
Dignified Home Loans
2751 Park View Ct Suite 231, Oxnard, CA 93036
8058900792
Financial Home Associates
1000 Town Center Dr Suite 525, Oxnard, CA 93036
8054025302
Smart Home Mortgage - Staci Aguiar
300 E Esplanade Dr #105, Oxnard, CA 93036
8057972523
Winston Blauser - Smart Home Mortgage
300 E Esplanade Dr #105, Oxnard, CA 93036
8057603896
Marcos Galaviz - Option Funding Inc
1000 Town Center Dr #135, Oxnard, CA 93036
8052767380
Tracey Stillman, Mortgage Lender NMLS #1287611
2775 N Ventura Rd Suite 203, Oxnard, CA 93036
3033465349
Loan Warehouse
183 Montgomery Ave, Oxnard, CA 93036
8337115626
Armando Perez - Nations Lending
400 E Esplanade Dr Suite 205, Oxnard, CA 93036
8054020337
Guild Mortgage Company
1000 Town Center Dr #520, Oxnard, CA 93036
8053896800
loanDepot
2901 N Ventura Rd Ste 185, Oxnard, CA 93036
8053947200
SC LENDING GROUP
300 E Esplanade Dr 9th floor, Oxnard, CA 93036
8053777500
A mortgage refinance company in Oxnard California helps homeowners lower their interest rate or change loan terms. California law requires lenders to provide a Loan Estimate within three business days of application. Oxnard residents may also benefit from local programs that assist with refinancing costs.
What Does a Mortgage Refinance Company in Oxnard Cost?
Typical costs for a mortgage refinance in California include an origination fee of 0.5 to 1 percent of the loan amount, plus appraisal fees around 400 to 700 dollars, title insurance, and recording fees. Total closing costs often range from 2 to 5 percent of the loan principal. These amounts vary by lender and loan type. 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 Oxnard?
You typically need recent pay stubs, tax returns, bank statements, and a valid 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 under review process takes longer.
Are there California laws that protect me during refinancing?
Yes. California Civil Code Section 1916.5 limits prepayment penalties on certain loans. Lenders must also give you a three-day right of rescission after signing.
Free • No Obligation
Compare Mortgage Refinance Companies
Get matched with agents in Oxnard who handle your type of case.
Affiliate Form Embed
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party legal marketing service. BeforeMortgageUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any broker. Your information is collected and handled by the form provider according to their privacy policy.
Legal Notice
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.