Refinance Your Mortgage
Lower your rate, reduce your payment, or access your home's equity. We offer a wide range of refinance options.
When Does Refinancing Make Sense?
It's generally a good time to refinance when mortgage rates are at least 1–2% lower than your current rate. Even a small reduction can trim your monthly payment significantly.
For example, on a $100,000 loan at 8.5%, your monthly payment would be about $770. At 7.5%, that drops to $700 — saving you $70 per month.
Refinancing may also make sense if you want to switch from an adjustable-rate to a fixed-rate loan, shorten your loan term, or access equity for home improvements or debt consolidation.
Refinance Options
We offer a wide range of refinance programs designed for California homeowners.
Rate & Term Refinance
Lower your interest rate or change your loan term to reduce monthly payments and save over the life of your loan.
Cash-Out Refinance
Tap into your home equity to consolidate debt, fund home improvements, or cover major expenses.
FHA Streamline
Lower your FHA rate with minimal paperwork — no appraisal or income verification required in most cases.
VA IRRRL (Streamline)
VA Interest Rate Reduction Refinance Loan — a simplified refinance for eligible veterans with an existing VA loan.
FHA 203(k)
Finance both the purchase or refinance of a home and the cost of renovations into a single mortgage.
HELOC
A Home Equity Line of Credit gives you flexible access to funds at a variable rate for ongoing projects.
HARP
For homeowners whose homes have lost value and need to refinance through a government-backed program.
Conventional Refinance
Standard refinance options for conventional loan holders looking for better rates or terms.
How Much Could You Save?
A small rate reduction can save you hundreds each month. Let's find out what you qualify for.
Get Your Rate Quote
Fill out the form below and we'll provide a customized rate quote.