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.
Looking for a mortgage refinance company in Santa Maria? Review the directory below to compare your options.
19 agents listed
Updated May 2026
Santa Maria, 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 19 mortgage refinance companies in Santa Maria, 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.
Mickey Hellman at Certainty Home Lending (NMLS #244724)
3529 Mercury Dr Office #1, Santa Maria, CA 93455
8058783541
Guild Mortgage - Cyndi Nunez
3535 Mercury Dr, Santa Maria, CA 93455
8057050579
Envoy Mortgage - Santa Maria, CA
1110 E Clark Ave Suite U-250 and U260, Santa Maria, CA 93455
8057424881
Gene Perez, Real Estate & Mortgage Loans, home loans
1112 S Broadway, Santa Maria, CA 93454
8054487101
Guild Mortgage - Lu Beltran
3535 Mercury Dr, Santa Maria, CA 93455
5592609057
Novel Home Loans
722 E Main St Suite 105, Santa Maria, CA 93454
8056147000
Emma Cavazos at Pacific Coast Mortgage Group (NMLS #922617)
530 E Main St, Santa Maria, CA 93454
8057144794
Guild Mortgage - Marie Withers
3535 Mercury Dr, Santa Maria, CA 93455
8053610355
Justine Tell at Edge Home Finance Inc
900 E Main St Ste. 102, Santa Maria, CA 93454
8057144681
Greater Mortgage Solutions
1112 S Broadway, Santa Maria, CA 93454
8053521100
Pauline Imano at CrossCountry Mortgage
411 Betteravia Rd # 202, Santa Maria, CA 93454
8053324811
Greg Young at CrossCountry Mortgage
411 Betteravia Rd # 202, Santa Maria, CA 93454
8052667299
Guild Mortgage Company
3535 Mercury Dr, Santa Maria, CA 93455
8053610355
Summit Funding, Inc.
411 Betteravia Rd # 202, Santa Maria, CA 93454
8053577622
loanDepot
2605 S Miller St Suite 103, Santa Maria, CA 93455
8053617200
CrossCountry Mortgage, LLC
411 Betteravia Rd # 202, Santa Maria, CA 93454
8055989110
Leanne Young at CrossCountry Mortgage
411 Betteravia Rd # 202, Santa Maria, CA 93454
8053104723
Hii Mortgage Loans Santa Maria Ca
1430 S. Eagle Ct Suite C, Santa Maria, CA 93454
8056230259
Mortgage, Bank of America
300 Town Center E, Santa Maria, CA 93454
8053579160
A mortgage refinance company in Santa Maria, California helps homeowners replace their existing home loan with a new one. California law requires clear disclosure of loan terms and fees under the Truth in Lending Act. Local Santa Maria lenders can assist with rate and term refinancing or cash-out refinancing for homeowners in Santa Barbara County.
What Does a Mortgage Refinance Company in Santa Maria 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. Closing costs generally 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 Santa Maria?
You typically need pay stubs, tax returns, bank statements, and a recent mortgage statement. California lenders may also require a property appraisal and proof of homeowners insurance.
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 than expected.
Are there California-specific rules for cash-out refinancing?
Yes, California law limits cash-out refinancing to 80 percent of the home value for most loans. Lenders must also follow state anti-predatory lending laws under the California Homeowner Bill of Rights.
Free • No Obligation
Compare Mortgage Refinance Companies
Get matched with agents in Santa Maria 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.