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.

Metrocities Mortgage LLC
(805) 898-1973
3938 State St Ste 100
Santa Barbara, CA
 
Gmac Mortgage LLC
(805) 898-9188
3902 State Street
Santa Barbara, CA
 
Mainland Home Loans
(805) 963-5990
831 State Street
SANTA BARBARA, CA
Services
Mortgage Brokers

Bank Of America Mortgage
(805) 966-5007
834 State St
SANTA BARBARA, CA
Services
Mortgage Brokers

Indymac
(805) 730-1175
616 Juanita Avenue
SANTA BARBARA, CA
Services
Mortgage Brokers

Seattle Mortgage Company
(805) 730-1505
1335 Mountain Ave
Santa Barbara, CA
 
Guarantee Mortgage Corporation
(805) 687-6282
1736 State St
Santa Barbara, CA
 
Gary R. Cook Life Health Annuity Property And Casualty Insurance Agent California License 0e3
(805) 450-2819
827 State Street Suite 3 Po Box 23942
Santa Barbara, CA
 
Bank of America - North Santa Barbara
(805) 569-9684
3790 State St
Santa Barbara, CA
Type
Banking Center
Services
Banking Center Services: Commercial Deposits
Outdoor ATM Services: Open 24 Hours, Talking ATM, Braille, Accepts Deposits, Multi-Check Deposit, Deposit Image
Languages
English, Spanish, Chinese, Korean, French, Russian, Portuguese
Office Hours
Monday 9-6
Tuesday 9-6
Wednesday 9-6
Thursday 9-6
Friday 9-6
Saturday 9-2
Sunday Closed

Washington Mutual Home Loans
(805) 568-5620
1330 State Street
SANTA BARBARA, CA
Services
Mortgage Brokers

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