Home Refinancing Santa Barbara CA

Homeowners can apply for home refinancing, meaning they can get an entirely new mortgage on their home. This can be advantageous when mortgage interest rates fall below what they were when the original mortgage was taken out. This will result in lower payments and savings over the entire life of the loan. But homeowners must meet certain criteria before they can refinance; homeowners’ credit file will be reviewed, and a title report along with a report on liens on the property will be done, among other things, when the homeowner is going through the application process.

Seattle Mortgage Company
(805) 730-1505
1335 Mountain Ave
Santa Barbara, CA
 
Gmac Mortgage LLC
(805) 898-9188
3902 State Street
Santa Barbara, CA
 
Santa Barbara Real Estate And Investment
(805) 569-2321
1826 State Street
Santa Barbara, CA
 
Phh Home Loans Llc
(866) 898-4841
1436 State St
Santa Barbara, CA
 
Mainland Home Loans
(805) 963-5990
831 State Street
SANTA BARBARA, CA
Services
Mortgage Brokers

Metrocities Mortgage LLC
(805) 898-1973
3938 State St Ste 100
Santa Barbara, CA
 
Guarantee Mortgage Corporation
(805) 687-6282
1736 State St
Santa Barbara, CA
 
Santa Barbara Bank And Trust
(805) 564-6350
1002 Anacapa Street
Santa Barbara, CA
 
Northern Trust
(805) 965-6200
206 East Anapamu Street
SANTA BARBARA, CA
Services
Mortgage Brokers

Poyourow And Associates
(805) 682-9555
23 Hitchcock Way Suite 105
Santa Barbara, CA
 
Opinion Corner
People in California shared their opinions about Home Mortgage
Do you own or rent a home?
Own: 53%
Rent: 43%
Other: 2%
The recent credit crisis seems to have affected everyone. How has it affected you?
I have lost my home: 6%
I have had to downgrade my home: 9%
I am living paycheck to paycheck: 27%
I have eliminated some of my expenses in order to keep my home: 30%
It has not affected me: 19%
Other: 7%
What is the value of your house in relation to your outstanding mortgage?
I am in the red: 20%
I have some equity in my home: 48%
I own my home outright: 14%
I have no idea: 14%
Other: 1%
Have you been able to take advantage of the lower interest rates and refinance your mortgage?
Yes: 34%
I have tried but have not been successful: 31%
No: 33%
Have your savings/retirement funds been affected?
No, haven’t touched my savings/retirement: 40%
Yes, they were slightly affected: 34%
Yes, they were significantly affected/drained: 25%
Source: Survey.com