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Lower Your Rate, Reduce Your Payment, or Access Your Equity
Whether you want to save money with a lower interest rate, shorten your loan term, eliminate mortgage insurance, or tap into your home's equity — refinancing can help you achieve your financial goals.
Trusted by over 2,500 California families
2500+
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See How Much You Could Save
No tax returns required to explore options. No impact to your credit.
See How Much You Could Save
No tax returns required to explore options. No impact to your credit.
Refinancing at a Glance
Choose your goal to get started. Whether you're buying your dream home or selling your property, we'll show you the right form and connect you with the right experts.
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When you need refinancing?
Lower rate 0.5–1%, access equity goals.
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How much does it cost?
Costs run 2–5% of loan amount.
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How long does it take?
Process usually takes 21–45 days total.
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Will I need an appraisal?
Yes, most need appraisal, some waive.
Options exist for credit scores 580.
Why Homeowners Refinance — Is It Right for You?
There are many good reasons to refinance. Here are the most common:
Refinance Requirements — What You Need to Qualify
Requirements vary by loan type, but here are general guidelines:
Credit Score Requirements
Conventional: 620+(680+ best rates)
FHA: 580+
VA: No minimum(typically 620+)
Jumbo: 700+
Equity (LTV)
Conventional: Up to 97%(cash-out 80%)
FHA: Up to 97.75%
VA: Up to 100%
Jumbo: 80% or less
Income & Employment
Stable income
2 years employment
DTI under 43–50%
Streamline: no income check
Documents
Pay stubs / W-2s
Bank statements
Mortgage statement
Insurance + ID
Types of Refinance — Which Is Right for You?
Different refinance options serve different goals:
Rate-and-Term Refinance
Best for: Lower rate, change term, or switch loan type.
How it works: Replace your loan with new terms, no cash out.
Key features:
- Lower rates than cash-out
- Shorten or extend term
- ARM <--> Fixed
- 3–5% equity required
- Loans: Conventional, FHA, VA, Jumbo
Cash-Out Refinance
Best for: Accessing home equity.
How it works: Refinance for more and get cash.
Key features:
- Up to 80% LTV (90% VA)
- Funds for any purpose
- Higher rates than rate-term
- Requires sufficient equity
- Popular uses: Renovations, debt, education, investments
Streamline Refinance (FHA/VA)
Best for: FHA/VA borrowers wanting fast refinance.
How it works: Minimal docs, often no appraisal or income check.
Key features:
- Must have FHA or VA loan
- Lower rate or payment
- 210-day waiting period
- Faster closing (2–3 weeks)
No-Closing-Cost Refinance
Best for: No upfront closing costs.
How it works: Lender pays costs for higher rate, or roll into loan.
Good if: Short-term plans or limited cash.
Not ideal if: Long-term (higher rate costs more).
Investment Property Refinance
Best for: Rental property owners.
How it works: Refinance rental properties using personal or property income to qualify.
Key features:
- Higher rates
- 25–30% equity required
- Rental income may qualify
- Options: Conventional, DSCR, Portfolio
Foreign National Refinance
Best for: Non-US residents or visa holders refinancing US property.
How it works: Refinance without US credit or SSN using alternative docs.
Key features:
- No US credit history required
- Higher down payment / equity
- Passport & visa accepted
- Foreign income allowed
- Limited lender options
How Much Does Refinancing Cost?
Understanding costs helps you calculate whether refinancing makes sense:
Typical Closing Costs
Refinance closing costs typically run 2–5% of your loan amount.
Common costs:
Origination fee: 0.5–1% of loan amount
Appraisal: $400–$700
Title insurance: $1,000–$2,500
Escrow/settlement fees: $500–$1,500
Recording fees: $100–$250
Credit report: $30–$50
Prepaid interest: Varies
Escrow funding: Taxes and insurance reserves
On a $500,000 refinance:
Low estimate: ~$10,000
High estimate: ~$25,000
Typical: $12,000–$18,000
Ways to Reduce or Avoid Closing Costs
Lender credits: Accept a slightly higher rate in exchange for lender-paid closing costs.
Roll into loan: Add costs to your loan balance (increases total interest).
Negotiate: Ask the lender to waive or reduce certain fees.
Shop around: Compare Loan Estimates from multiple lenders.
Ask about promotions: Some lenders offer closing cost specials.
The Break-Even
Calculation
The break-even point tells you how long it takes for your savings to exceed your closing costs.
Formula:
Total closing costs ÷ Monthly savings = Break-even (in months)
Example:
Closing costs: $9,000
Monthly savings: $300
Break-even: 30 months (2.5 years)
If you plan to keep your home longer than the break-even period, refinancing makes financial sense.
When Does Refinancing Make Sense?
Refinancing isn't always the right move. Here's how to decide:
Refinancing makes sense if you can lower your rate, access equity, eliminate PMI, switch from an ARM, or remove someone from the mortgage—especially if you'll stay past the break-even point.
It may not make sense if you plan to move soon, your rate is already low, closing costs are high, or your credit has dropped.
A good rule of thumb: refinance if you can save 1% or more, but even 0.5% can be worth it if costs are low or you plan to keep the loan long-term. Always check your break-even point.
Refinance can boost long-term savings and reduce monthly payments.
Accessing equity can fund renovations, debt, or investments.
Staying longer in your home boosts refinance benefits.
Weigh costs vs. savings to avoid refinancing too early or unnecessarily.
How Refinancing Works — Step by Step
Step 1: Determine Your Goals
Decide if you want a lower rate, shorter term, or cash out.
Step 2: Review Your Numbers
Check your rate, loan balance, home value, and credit score.
Step 3: Get a Quote
Compare a Loan Estimate to your current mortgage costs.
Step 4: Apply & Submit Docs
Complete your application and provide required documentation.
Step 5: Appraisal & Underwriting
Home is appraised (if needed) and loan is verified for approval.
Step 6: Closing
Sign documents, pay off old loan, start new loan, receive cash if applicable.
Standard / Cash-Out: 30–45 days
Streamline: 14–21 days
Ready to Take the First Step?
Whether you're ready to apply or just have questions, we're here. No pressure, no obligation — just real answers from real people who want to help.
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