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Compare Mortgage Refinance Companies in Santa Barbara, CA
Directory of mortgage refinance companies in Santa Barbara, California. Verify credentials with the state mortgage licensing authority before hiring.
20 agents listed
Updated May 2026
Santa Barbara, 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 20 mortgage refinance companies in Santa Barbara, 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.
Dawn Flori NMLS# 2348631 | The Kelly Marsh Team at Cornerstone Home Lending
1828 State St, Santa Barbara, CA 93101
8055631100
Austin Lampson at OriginPoint NMLS 2185899
1525 State St #104, Santa Barbara, CA 93101
8058697100
Susan Bonanno - Mortgage Advisor
5290 Overpass Rd STE 123, Santa Barbara, CA 93111
8052526324
Vicky Reese - TIME Lending Mortgage Broker
3820 State St D, Santa Barbara, CA 93105
8058864052
Ranch & Coast Mortgage Group, Inc.
1117 State St, Santa Barbara, CA 93101
8054486932
Guy Rivera - Branch Manager - Your Guy in the Mortgage Industry
1736 State St, Santa Barbara, CA 93101
8054523804
Michele Herrera at CrossCountry Mortgage
319 E Carrillo St Suite 104, Santa Barbara, CA 93101
8057705517
Jeff Bochsler at Rate (NMLS #770636)
1165 Coast Village Rd C, Santa Barbara, CA 93108
8052901828
American Riviera Bank Residential Lending
1033 Anacapa St, Santa Barbara, CA 93101
8053358150
Matt Genovese - MG Lending
1114 State St # 237, Santa Barbara, CA 93101
8058860878
Leah Gaona at CrossCountry Mortgage
319 E Carrillo St Suite 104, Santa Barbara, CA 93101
8057705502
Tom Kronen at Mutual of Omaha Reverse Mortgage
1114 State St ste 320, Santa Barbara, CA 93101
8058950471
Diana MacFarlane - Mortgage Lender
606 Calle De Los Amigos, Santa Barbara, CA 93105
8058868269
Dan Marchiando at Paragon Mortgage Group
1215 De La Vina St STE G, Santa Barbara, CA 93101
8058860581
Paragon Mortgage Group
1215 De La Vina St STE G, Santa Barbara, CA 93101
8058991390
Jennifer Ellison - RPM Mortgage Santa Barbara
319 E Carrillo St #100, Santa Barbara, CA 93101
8054521838
Vanguard Hard Money
351 Hitchcock Way ste 230-b, Santa Barbara, CA 93105
7149560508
The Dream Team @ Movement Mortgage
222 E Carrillo St Suite 107, Santa Barbara, CA 93101
8058868318
Rate
1165 Coast Village Rd C, Santa Barbara, CA 93108
8053358686
Mortgage Wholesale
133 E De La Guerra St #59, Santa Barbara, CA 93101
8054193319
A mortgage refinance company in Santa Barbara 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. Local companies understand Santa Barbara county property values and can guide you through the refinance process.
What Does a Mortgage Refinance Company in Santa Barbara 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 1500 dollars. Third-party fees like credit report and recording fees add 50 to 200 dollars. Total closing costs often range from 2 to 5 percent of the loan principal. 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 Santa Barbara?
You typically need pay stubs, tax returns, bank statements, and a property appraisal. California lenders also require a signed application and a credit check. Each lender may ask for additional documents based on your situation.
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 takes longer or if there are title issues. California law does not set a maximum time limit, but lenders must provide timely updates.
Are there prepayment penalties for refinancing in California?
California law restricts prepayment penalties on most mortgages. For loans made after January 1 2019, lenders cannot charge a prepayment penalty on loans over 250000 dollars. Always check your current loan contract for any penalty terms before refinancing.
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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.