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Directory of mortgage refinance companies in Santa Monica, California. Verify credentials with the state mortgage licensing authority before hiring.
7 agents listed
Updated May 2026
Santa Monica, 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 7 mortgage refinance companies in Santa Monica, 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.
The Brothers M - Cornerstone Home Lending NMLS #1145071
139 Ocean Ave Ext #1, Santa Monica, CA 90402
3104050301
Commonwealth Bancorp
2812 Santa Monica Blvd #202, Santa Monica, CA 90404
4243965434
Reverse Your Thinking® Mortgage
1620 Broadway, Santa Monica, CA 90404
3104475266
Westside Mortgage Group
100 Wilshire Blvd Suite 700, Santa Monica, CA 90401
3109171028
Commercial Mortgage Broker
2450 Colorado Ave #239, Santa Monica, CA 90404
3102605900
apt mortgage inc dba z home loans
1223 Wilshire Blvd, Santa Monica, CA 90403
3104632000
Target Rate
710 Santa Monica Blvd, Santa Monica, CA 90401
8777304999
Mortgage refinance companies in Santa Monica help homeowners adjust their loan terms or lower their interest rates. California law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System. Refinancing can also involve California specific rules on prepayment penalties and escrow accounts.
What Does a Mortgage Refinance Company in Santa Monica Cost?
Typical costs for a mortgage refinance in California range from 2 percent to 5 percent of the loan amount. For a 500 thousand dollar loan this means 10 thousand to 25 thousand dollars in fees. These fees include appraisal costs around 500 to 700 dollars, title insurance, and lender origination charges. Costs vary by situation and loan type. This is general information 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 a mortgage refinance in Santa Monica?
A standard refinance in California usually takes 30 to 45 days from application to closing. Delays can occur if the property appraisal or title search takes longer. Your lender must provide a Loan Estimate within three business days of your application.
Are there California specific disclosures required for refinancing?
Yes, California requires lenders to provide a California Residential Mortgage Lending Act disclosure if applicable. You also receive a federal Loan Estimate and Closing Disclosure. These documents explain all fees and terms before you commit.
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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.