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Prime Mortgage - 714-695-5899

Trusted Mortgage Broker in Costa Mesa CA. Finding a Great Home Loan. We Are Here to Guide You.
Open today until 8:00 PM
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Pop Quiz: Can You Define These Key Terms in Today’s Housing Market? [INFOGRAPHIC]

Some Highlights The language of buying and selling a home may sound scary at first, but knowing how key terms relate to today’s market can help you. For example, current low mortgage rates and higher wages positive...

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Today’s Real Estate Market Explained Through 4 Key Trends

As we move into the second half of the year, one thing is clear: the current real estate market is one for the record books. The exact mix of conditions we have today creates opportunities for both buyers and sellers. Here’s a look at fou...

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Remote Work Has Changed Our Home Needs. Is It Time for Your Home To Change, Too?

Over the past year, many homeowners realized what they need in a home is changing, especially with the rise in remote work. If you’re longing for a dedicated home office or a change in scenery, now may be the time t...

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3 Charts That Show This Isn’t a Housing

With home prices continuing to deliver double-digit increases, some are concerned we’re in a housing bubble like the one in 2006. However, a closer look at the market data indicates this is nothing like 2006 for three major reasons. 1. The housing market i...

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What You Should Do Before Interest Rates Rise

In today’s real estate market, mortgage interest rates are near record lows. If you’ve been in your current home for several years and haven’t refinanced lately, there’s a good chance you have a mortgage with an interest rate higher than today’s aver...

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Experts Agree: Options Are Improving for Buyers

Some Highlights Buyers hoping for more homes to choose from may be in luck as housing inventory begins to rise. Many experts agree – new sellers listing their homes is great news for buyers and the overall market. Although the supply increases are ...

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Diving Deep into Today’s Biggest Buyer Concerns

Last week, Fannie Mae released their Home Purchase Sentiment Index (HPSI). Though the survey showed 77% of respondents believe it’s a “good time to sell,” it also confirms what many are sensing: an increasing number of Americans believe it’s a “bad...

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Housing Supply Is Rising. What Does That Mean for You?

An important factor in today’s market is the number of homes for sale. While inventory levels continue to sit near historic lows, there are indications we may have hit the lowest point we’ll see. Odeta Kushi, Deputy Chief Economist at First ...

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Why This Isn’t Your Typical Summer Housing Market

In real estate, it’s normal to see ebbs and flows in the market. Typically, the summer months are slower-paced than the traditionally busy spring. But this isn’t a typical summer. As the economy rebounds and life is returning to normal, the real ...

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3 weeks ago
We had a very bad experience with other refinancing attempt we had in the past, so finding this company is one of the best choice I made. Mainly because they are very Professional and also because they made me feel like I don’t have to worry about exposing my personal information to them. When we submitted our pertinent paper works they are very informative and always ready to answer your questions may it be late at or not. We are so happy of our refinancing outcome because of their help, from the time we talk to them all the way to the person who appraised our house and to the person who came to the house for us to sign the documents. They also take their shoes off and wear mask before they enter our house. They are respectful and truthful of their job.
- Sheila B
4 days ago
I used Frank at Prime three times now and each time he was honest, straight forward, highly knowledgeable and the utmost professional. He presented us with options and guided us through the pros and cons of each. Once we choose the right option for us, the team at Prime was nothing less than phenomenal. They moved quickly and kept us informed at every step. In addition to their amazing attention to our needs, they also saved us more than $1,200 a month! Thanks Frank and the team at Prime. Highly recommend Frank and Prime.
- Shannon B
a week ago
My wife and I are extremely happy with the service with Prime Mortgage. This is the second time we used there services They provided us with an amazing interest rate and a fabulous service. We are extremely thankful the way they work so fast. The whole entire team coordinate to provide and exceptional service. We definitely recommend Prime Mortgage to anyone!
- Keith C

The Best Costa Mesa Mortgage Broker

How Long Should It Take to Refinance a Home?

There are plenty of reasons why people may decide it is time to refinance their homes. Financially, it makes a lot of sense. Things change over time, including credit scores and maybe payment and work history. It can take years for these variations to benefit you personally, but once you are considered a safe bet by lenders, the sky's the limit. Getting insights into the refinance procedure, the average period it takes, and expected outcomes will streamline your refinance journey. As you plan to talk to us Prime Mortgage, a Costa Mesa mortgage broker, here are a few aspects that may assist in refinancing faster. 

How Long It Can Take 

Refinancing your loan means replacing the current mortgage with a new one that might have a different set of terms. These new terms may include revising the loan payment duration, setting new interest terms, and changes in the monthly payments required to service the loan. 

The capital from the refinance can settle the original loan. A refinance can take between thirty to forty-five days to complete. However, it is tough to say the particular period because of different aspects that regulate the refinancing procedure. For instance, appraisals, inspections, and third parties might delay the procedure. Also, refinancing may take a longer or shorter period, depending on the value, size of the property, and the density of your finances. 

Why You Should choose for Refinancing

People go for a mortgage refinance for various reasons such as:

To Receive cash-out

A cash-out can make you build equity on your asset when you service your mortgage balance. Equity means the percentage of the cash value that someone owns in his mortgage-financed house. You need to accept terms for a higher loan principal to use the remainder for a cash-out refinance. The money from cash-out is available for almost anything you might need to do, including carrying maintenance and servicing credit card debts.

To alter loan terms or interest rates.

 If the current interest rates are less than what you are paying for your mortgage, you can consider taking advantage of the situation. This situation applies to people who have problems making monthly payments. You can choose mortgage refinancing to lessen your current payments. 

How Do You Plan for the Refinance Procedure? 

As you plan for the refinance process, here're things you can do to shorten the refinance process time. 

Prepare required documents 

The Costa Mesa mortgage lender will ask for some documents, including bank statements, to establish your bank accounts records, pay stubs, and two most recent W-2s and pay stubs, among others. Get these documents to make the procedure simple. 

Make sure you qualify. 

Have a plan of what to expect from the refinance before applying. Get more information about your proposed refinance plan and whether you are qualified. 

Be ready for appraisal.

You require a refinance appraisal before completing the procedure. It assists the Costa Mesa mortgage broker to establish that you are not going for more than what your asset is worth. The time that a refinance takes is estimated at 45 days.

Prime Mortgage
555 Anton Blvd Ste 150
Costa Mesa, CA 92626

The best mortgage broker in Costa Mesa, CA is Prime Mortgage and they serve the following areas:

  • Lake Forest, CA, USA
  • Costa Mesa, CA, USA
  • Laguna Beach, CA, USA
  • Tustin, CA, USA
  • San Clemente, CA, USA
  • Dana Point, CA, USA
  • Buena Park, CA, USA
  • Garden Grove, CA, USA
  • Santa Ana, CA, USA
  • Irvine, CA, USA
  • Fullerton, CA, USA
  • Brea, CA, USA
  • Orange, CA, USA
  • San Juan Capistrano, CA, USA
  • Huntington Beach, CA, USA
  • Anaheim, CA, USA
  • Mission Viejo, CA, USA
  • Laguna Niguel, CA, USA

Learn More About Prime Mortgage by Visiting our Brand Profiles

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  • (714) 695-5899
  • (714) 878-6097


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555 Anton Blvd, Ste 150
Costa Mesa, CA 92626
United States

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