Refinance Your Mortgage in Southern California
Lower your payment, shorten your term, or turn your equity into cash. We’ll show you whether refinancing makes sense before you commit.
- 30+ years of experience
- No-point options
- Cash-out available
Why Refinance?
Homeowners refinance for many reasons. Here are the most common.
Lower Your Rate
Replace a higher-rate loan and save on interest every month.
Lower Your Payment
Free up cash in your monthly budget.
Pay It Off Sooner
Move to a 15- or 20-year term and build equity faster.
Tap Your Equity
Take cash out for renovations, tuition, or other big goals.
Drop Mortgage Insurance
Refinance out of PMI or FHA mortgage insurance once you have enough equity.
Lock In a Fixed Rate
Trade an adjustable rate for a predictable fixed payment.
How Refinancing Works
Four simple steps from your first call to your new, lower payment. We’ll handle the details.
Free Refinance Review
Tell us your goals and we compare your current loan with today’s options.
Choose and Lock
Pick the loan that saves you the most and lock your rate.
Appraisal and Approval
We order the appraisal, if needed, and handle underwriting.
Close and Start Saving
Sign your documents and your new loan pays off the old one.
Explore Your Refinance Options
The best refinance depends on your income, your property, and your goals. Start with the group that fits you best.
Standard Income Borrowers
Rate-and-term, cash-out, and streamline refinances for W-2 earners and retirees.
Conventional Loans
Flexible financing with as little as 3% down, mortgage insurance you can drop, and terms built around your goals.
Learn more →
FHA Loans
Buy with as little as 3.5% down and flexible credit guidelines. A proven path to homeownership for first-time and repeat buyers.
Learn more →
VA Loans
Zero down, no monthly mortgage insurance, and competitive rates. A benefit you earned through your service.
Learn more →
Jumbo Loans
Financing for homes priced above the conforming loan limits, with the flexibility and personal service high-value purchases deserve.
Learn more →Self-Employed Borrowers
Refinance with bank statements, 1099s, or assets instead of tax returns.
Self-Employed Mortgages
Business owners, freelancers, and 1099 earners deserve a mortgage that fits how they actually get paid.
Learn more →
Bank Statement Loans
Qualify with your real cash flow, not the income left after write-offs. No tax returns required.
Learn more →
Asset Depletion Loans
Turn your savings, investments, and retirement accounts into qualifying income, with no paycheck or tax returns required.
Learn more →Real Estate Investors
Refinance rental properties based on rent, or pull equity to fund your next deal.
DSCR Loans
Qualify based on the property's rental income, not your personal income. Grow your portfolio without tax returns.
Learn more →
Hard Money Loans
Asset-based financing for investors who need to close fast, based on the property's value instead of your paperwork.
Learn more →Home Equity and Retirement
Keep your low first-mortgage rate, or turn equity into cash with no monthly payment.
Is It a Good Time to Refinance?
Refinancing may be worth a look if any of these apply to you:
- Current rates are lower than the rate on your loan
- You’re paying mortgage insurance and now have 20% equity or more
- You need cash for home improvements or to pay off high-interest debt
- Your adjustable rate is about to reset
- You want to pay off your home years sooner
- You’ll stay in your home long enough to pass the break-even point
Get a Free Refinance Review
We’ll compare your current loan with today’s options and show you exactly what you’d save. No cost, no obligation.
Prefer email? Send us a messageRun the Numbers
See what you could save, whether paying points makes sense, and how extra payments shorten your loan.
Refinance Guides
Practical advice to help you decide when and how to refinance.
Refinance Questions
When does refinancing make sense?
When the savings outweigh the costs within the time you plan to stay in the home. We’ll calculate your break-even point, the number of months it takes for your savings to cover your closing costs.
How much does it cost to refinance?
Closing costs usually run about 1.5% to 3% of the loan amount. We don’t charge points, and we offer no-cost refinance options where lender credits cover your closing costs.
How much cash can I take out?
Most conventional cash-out refinances go up to 80% of your home’s value. VA cash-out loans can go higher. If you want to keep your current rate, a HELOC may be a better fit.
How soon can I refinance after buying?
Many rate-and-term refinances can happen within months of buying. Cash-out refinances usually require 6 to 12 months of ownership, depending on the loan program.
Is there a streamline option for FHA or VA loans?
Yes. FHA loans have the FHA Streamline Refinance, and VA loans have the VA IRRRL. Both can lower your rate with less paperwork and often no appraisal.
Will refinancing hurt my credit?
A credit check can cause a small, temporary dip. Multiple mortgage inquiries within a short window generally count as one, so comparing offers won’t hurt you more.
How long does a refinance take?
Most refinances close in about three to four weeks. Streamline refinances can be faster because they often skip the appraisal.
Ready to See What You Could Save?
Get a free refinance review and find out in minutes.