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Find Mortgage Refinance Companies in Scotts Valley, CA
Browse mortgage refinance companies serving Scotts Valley, California. Contact information and addresses listed below.
5 agents listed
Updated May 2026
Scotts Valley, 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 5 mortgage refinance companies in Scotts Valley, 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.
Bay Equity Home Loans
Scotts Valley Dr, Scotts Valley, CA 95066
8314610100
Mortgage 831
5521 Scotts Valley Dr #110, Scotts Valley, CA 95066
8315887201
Cypress Mortgage
5321 Scotts Valley Dr #204, Scotts Valley, CA 95066
8314656701
US Bank Mortgage
253 Mt Hermon Rd, Scotts Valley, CA 95066
8314383697
Scotts Valley Mortgage
5321 Scotts Valley Dr, Scotts Valley, CA 95066
8314383306
Mortgage refinance companies in Scotts Valley California help homeowners lower their interest rates or change loan terms. California law requires lenders to provide a Loan Estimate within three business days of application. Local companies understand Santa Cruz County property values and can guide you through the refinance process.
What Does a Mortgage Refinance Company in Scotts Valley Cost?
Typical costs for a mortgage refinance in California range from 2 to 5 percent of the loan amount. This includes an appraisal fee of 400 to 700 dollars, origination fees of 0.5 to 1 percent, and title insurance costs. Closing costs in Scotts Valley may also include recording fees and escrow charges. Note that 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 for a mortgage refinance in Scotts Valley?
You will need recent pay stubs, tax returns, bank statements, and proof of homeowners insurance. California lenders also require a property appraisal to confirm the home value.
How long does a mortgage refinance take in California?
A typical refinance in California takes 30 to 45 days from application to closing. This timeline can vary based on the lender workload and the complexity of your financial situation.
Are there California specific rules for refinancing?
Yes. California law requires lenders to disclose the annual percentage rate and total loan costs clearly. Also, California has a 3 day right of rescission period after signing, allowing you to cancel the refinance without penalty.
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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.