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 15 mortgage refinance companies in Santa Cruz, 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.
Revest Loans - Team Jim Black
1015 Cedar St Suite D, Santa Cruz, CA 95060
9252854898
SV Mortgage Group
1509 Seabright Ave, Santa Cruz, CA 95062
8312008435
Valamonte Mortgage Group
655 Capitola Rd STE 202, Santa Cruz, CA 95062
8312549787
Ryan Buckholdt at CrossCountry Mortgage
133 Mission St Suite 210, Santa Cruz, CA 95060
8314258326
Dan Casagrande
1414 Soquel Ave Suite 207, Santa Cruz, CA 95062
8314232900
The Junod Team- CrossCountry Mortgage
133 Mission St Suite 210, Santa Cruz, CA 95060
8316004709
Brian Dean at CrossCountry Mortgage
133 Mission St Suite 210, Santa Cruz, CA 95060
8316004706
Noel McCord at CrossCountry Mortgage
133 Mission St Suite 210, Santa Cruz, CA 95060
8316001584
Christine Meserve at CrossCountry Mortgage
133 Mission St Suite 210, Santa Cruz, CA 95060
8316001591
Heather Wilbur at CrossCountry Mortgage
133 Mission St Suite 210, Santa Cruz, CA 95060
8316001587
Jean Adams at CrossCountry Mortgage
133 Mission St Suite 210, Santa Cruz, CA 95060
8316004712
Affordable Home Finance, Mortgage Broker
120 Bulkhead St, Santa Cruz, CA 95060
8773204762
Loans With Mitch
710 River St #2, Santa Cruz, CA 95060
8314310726
CrossCountry Mortgage, LLC
133 Mission St Suite 210, Santa Cruz, CA 95060
8318182339
Diane Augason at CrossCountry Mortgage
133 Mission St Suite 210, Santa Cruz, CA 95060
4082341701
What Does a Mortgage Refinance Company in Santa Cruz Cost?
Typical costs for a mortgage refinance in California include an origination fee of 0.5% to 1% of the loan amount, appraisal fees of 400 to 700 dollars, and title insurance costs of 800 to 1,500 dollars. Third party fees like credit report and escrow services add 50 to 200 dollars. Total closing costs usually range from 2% to 5% 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 is the typical timeline for refinancing in Santa Cruz?
The refinance process in California usually takes 30 to 45 days from application to closing. This timeline can vary based on the lender workload and property appraisal scheduling.
Are there California specific rules for refinancing a primary residence?
Yes, California law limits prepayment penalties on most refinance loans. Lenders cannot charge a prepayment penalty if the loan term is less than 30 years and the borrower has not refinanced within the last 12 months.