Refinance in Thousand Oaks

When looking to refinance in Thousand Oaks homeowners should look for the following qualities in a mortgage company:

  • Low-interest rates with low fees. (Most lenders offer low rates with high fees!)
  • Highly recommended
  • Longevity in the Industry
  • Quick closings
  • Local office

Community First Mortgage is a mortgage broker located in Thousand Oaks California.  We are a rare blend of all the characteristics above and we are the best fit to help with your refinance in Thousand Oaks.

Low Interest Rates with Loan Fees

We’ve all heard the commercials of mortgage companies offering what seem to be unbelievably low rates, but what is tough to hear is the quick talking at the end of the commercial that tells you just how high the APR is. It’s one thing to offer a low rate with a low APR (annual percentage rate), it’s entirely different to offer a low rate with a much higher APR – which is also known as a teaser rate. Don’t fall for it!

The reason Community First Mortgage is able to offer lower rates than a big bank or a credit union is – mortgage brokers can offer lower rates. Being a mortgage broker, lenders discount their rates to us so even if a consumer were to “cut out the middleman” and work directly with the same lender – we could still offer lower rates working with the same lender. Mortgage brokers offer lower rates and since we are more motivated – we offer better service than big banks and credit unions too.

The reason Community First Mortgage can not only offer better rates than big banks and credit unions, but we can also beat any other local mortgage broker in Thousand Oaks on rates for two reasons.

  1. We simply earn less than almost all other mortgage brokers in the state.
  2. We only work with the most competitive lenders.

Clients are constantly amazed by how much lower our mortgage rates and fees are. It’s not uncommon for our rates to be .25% lower and costs thousands of dollars less.

The best way for a consumer to secure the best rate is to shop your refinance scenario with three mortgage companies and be sure to make us one of them! We would love to compete for your business.

Highly Recommended

We all start with Googling the company or person we plan on working with and when you search for Community First Mortgage on Google or Yelp – you will be hard pressed to find a more well-reviewed mortgage company. If you are considering working with a mortgage company with less than stellar reviews or with no reviews at all, think again – as this could be a warning sign to look elsewhere.

Longevity in the Industry

Community First Mortgage has been in the business since 1986 – which is a rarity in our business. Companies come and go when mortgage rates are low and quickly move higher, but we’ve weathered it all and have built long lasting relationships with our clients who know we will reach out to our clients the moment interest rates fall and a refinance makes sense for them.

Some homeowners are short-sighted. They search for the bottom of the barrel on rates and while they mind find the lowest rate this time – they won’t have a mortgage company who reaches out to them the moment rates fall further. We are eager to save our clients money and will be the first to reach out the moment rates fall in the future.

Quick Closings

We’ve heard horror stories from new clients about how they started the refinance process with a big bank or a credit union and how the process took several months and loan terms have changed.

We know the refinance process is not always a delightful experience so we do our best to make the process as painless as possible with online applications, secure electronic document upload capabilities and electronic signatures which allow us to close refinance transactions in as little as 15 days.

Local Office

When looking to refinance in Thousand Oaks, find a mortgage company with a local office. Community First Mortgage is located in Thousand Oaks right across the street from the Promenade. We have been located in the same office in Thousand Oaks since 1986. You have the ability to come in and say hello in person, talk through your refinance goals, and/or drop off confidential documents. We’re here to help!

We hope you will consider us for your refinance in Thousand Oaks, California. You will be happy to see how much you can save by working with us and we encourage you to request a quote from a big bank and a credit union as well. We’re confident you won’t find a better-priced mortgage company that offers fantastic service.

To receive a rate quote please give us a call at (805) 379-1850 or request a rate quote by clicking the “Home Refinance Rates” button on this page.

We look forward to working with you!

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