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Compare Mortgage Refinance Companies in Watsonville, CA

Compare mortgage refinance companies in Watsonville. Review contact information and insurance categorys before you decide.

11 agents listed
Updated June 2026
Watsonville, 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 State Mortgage Licensing Authority of California before hiring.
Showing 11 mortgage refinance companies in Watsonville, 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 Lending: Fernando Vicente, Mortgage Broker
54 Penny Ln Ste D, Watsonville, CA 95076
(831) 234-0336 bayequitylending.com
James Saville II at Concept Mortgage
821 E Lake Ave, Watsonville, CA 95076
(831) 535-3954 conceptmortgage.com
Prime Home Loans
320 E Lake Ave, Watsonville, CA 95076
(831) 761-2200 primehl.com
Concept Mortgage
821 E Lake Ave, Watsonville, CA 95076
(831) 722-6250 conceptmortgage.com
Seabright Mortgage
120 Aviation Way Suite 5B, Watsonville, CA 95076
(831) 425-7880 seabrightmortgage.com
Karma Mortgage Solutions
159 Westridge Dr, Watsonville, CA 95076
(831) 462-2496 karmamortgagesolutions.com
Joanna Sandoval - 450753 - Wells Fargo Home Mortgage
326 Main St, Watsonville, CA 95076
(831) 234-1229 homeloans.wellsfargo.com
Lewis Associates
128 E Beach St, Watsonville, CA 95076
(831) 722-8935 watsonvillemortgage.com
Saville Mortgage
540 Main St, Watsonville, CA 95037
(831) 535-3954 about.me
Chase Home Lending
630 Main St, Watsonville, CA 95076
(909) 633-9110 homelendingadvisor.chase.com
U.S. Bank-Mortgage Loan Officer-Russel Miller
655 Main St, Watsonville, CA 95076
(669) 342-3553 mortgage.usbank.com

Mortgage refinance companies in Watsonville 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. Watsonville residents can use these services to access equity or reduce monthly payments.

What Does a Mortgage Refinance Company in Watsonville Cost?

Typical costs for a mortgage refinance in California range from 2 to 5 percent of the loan amount. This includes appraisal fees title insurance and origination charges. For a 400000 dollar loan costs may be 8000 to 20000 dollars. However actual costs vary by lender loan type and property value. 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 documents do I need for mortgage refinance in Watsonville?
You typically need pay stubs tax returns bank statements and a photo ID. California lenders may also require proof of homeowners insurance. Each company has its own list so ask in advance.
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 appraisals or title searches take longer. Your lender will provide a timeline estimate.

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