Lower your interest rate, reduce monthly payments, shorten your loan term, or switch from an adjustable to fixed-rate mortgage. Refinancing can save you thousands over the life of your loan.
Everything you need to know about this loan program
We shop 20+ lenders to find you the best rate • As low as 6.750%
Rates from our lender partners, updated daily. As a broker, we compare rates from 20+ lenders to find you the best deal. Your actual rate may vary based on credit score, loan amount, and other factors. Call (805) 393-6278 for a personalized quote.
See if you qualify for this loan program
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From application to closing in 6 simple steps
We'll review your current mortgage terms, pull today's rates, and calculate your potential savings. We'll determine if refinancing makes financial sense for your situation.
Submit your refinance application with income, asset, and credit documentation. We'll review your current loan and identify the best refinance program.
Lock in your interest rate to protect against market fluctuations. Rate locks typically last 30-45 days. We'll monitor rates and relock if rates drop.
A licensed appraiser evaluates your home's current value. This confirms you have sufficient equity and determines your loan-to-value ratio.
Our underwriting team verifies employment, income, assets, and reviews the appraisal. We'll request any additional documentation needed.
Sign your new loan documents and your old loan is paid off. Refinances close in 30-45 days. You have a 3-day right of rescission before the loan funds.
Ready to get started? We can get you pre-approved in 24 hours.
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⚡ No credit impact • Free rate quote • $0 lender fees
Serving Oxnard, Ventura, Thousand Oaks, and all of Ventura County
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