Skip to main content

Mortgage Refinance Companies in San Juan Capistrano, CA

Directory of mortgage refinance companies in San Juan Capistrano, California. Verify credentials with the state state mortgage licensing authority before hiring.

16 agents listed
Updated June 2026
San Juan Capistrano, 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 16 mortgage refinance companies in San Juan Capistrano, 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.
Mares Mortgage
32172 Camino Capistrano Suite A, San Juan Capistrano, CA 92675
(949) 702-7208 maresmortgage.com
RSI Financial Services
31726 Rancho Viejo Rd # 204, San Juan Capistrano, CA 92675
(949) 508-2004 rsifi.com
JJ Mazzo - CrossCountry Mortgage
31351 Rancho Viejo Rd, San Juan Capistrano, CA 92675
(877) 237-9694 crosscountrymortgage.com
​Jale Goztepe: Mortgage Broker
31351 Rancho Viejo Rd Suite 201, 202, 203, 207, San Juan Capistrano, CA 92675
(949) 294-8076 crosscountrymortgage.com
Gregory Mull at CrossCountry Mortgage
31351 Rancho Viejo Rd Suite 204 & 205, San Juan Capistrano, CA 92675
(877) 237-9696 themullteam.com
PRMG - Corissa Dailey
31815 Camino Capistrano # 32, San Juan Capistrano, CA 92675
(949) 280-4410 icloseloansdailey.com
US Financial Network, Inc.
32861 Camino Capistrano, San Juan Capistrano, CA 92675
(800) 655-9044 usfinancialnet.com
Linear Home Loans Inc.
30220 Rancho Viejo Rd suite e, San Juan Capistrano, CA 92675
(800) 967-3020 linearhomeloans.com
Brad Evans at CrossCountry Mortgage
31351 Rancho Viejo Rd Suite 204 & 205, San Juan Capistrano, CA 92675
(877) 323-6803 bradevansteam.com
Aaron Ehresmann, Mortgage Lender
31351 Rancho Viejo Rd #204, San Juan Capistrano, CA 92675
(949) 667-8965 aaronehresmannmortgage.com
Omega 1 Funding
31021 Via Limon, San Juan Capistrano, CA 92675
(949) 828-6228 omega1funding.com
CrossCountry Mortgage, LLC
31351 Rancho Viejo Rd Suite 204 & 205, San Juan Capistrano, CA 92675
(949) 275-0574 crosscountrymortgage.com
First California Financial Mortgage Lender
30531 Via Ventana, San Juan Capistrano, CA 92675
(949) 421-1000
loanDepot
30448 Rancho Viejo Rd #250, San Juan Capistrano, CA 92675
(949) 799-3050 loandepot.com
Hayward Capital
31878 Del Obispo St #112, San Juan Capistrano, CA 92675
(949) 248-8409 haywardcapital.com
Franklin Advantage, Inc.
31897 Del Obispo St #225, San Juan Capistrano, CA 92675
(949) 521-6100 franklinadvantageinc.com

Mortgage refinance companies in San Juan Capistrano help homeowners lower their interest rate or change loan terms. Under California law, borrowers have a three-day right of rescission for most refinances on a primary residence. Local lenders understand the Orange County real estate market and can guide you through the process.

What Does a Mortgage Refinance Company in San Juan Capistrano Cost?

Typical costs for a mortgage refinance in California range from 2% to 5% of the loan amount. This includes lender fees, appraisal fees (USD 400 to USD 700), title insurance, and recording fees. For a USD 500,000 loan, total costs may be between USD 10,000 and USD 25,000. Some lenders offer no-closing-cost options but charge a higher interest rate. 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 is the right of rescission for a refinance in California?
Under California Civil Code Section 1689.5, borrowers have three business days after signing to cancel a refinance on their primary home. This right does not apply to purchase loans or second homes.
Do I need a home appraisal to refinance in San Juan Capistrano?
Most lenders require an appraisal to determine your home value. In California, the appraisal must be done by a state-licensed appraiser. Some lenders offer no-appraisal refinance options but may charge a higher rate.
What documents do I need for a refinance application in California?
You typically need pay stubs, tax returns, bank statements, and a photo ID. California lenders also require a signed disclosure of the Loan Estimate within three business days of your application.

Mortgage Refinance Companies in Other California Cities