refinance mortgage california

Refinance Your California Mortgage

Lower your payment, pull cash out, or shorten your term. We shop wholesale lenders so you don't have to.

Michael Banan· 2026-05-19
Refinance

Refinance smarter. Lower payment, less paperwork.

One California broker. 20+ wholesale lenders competing for your file. We tell you exactly when refinancing makes sense — and when it doesn't.

No credit pull · No obligation · CA-licensed broker (NMLS #2597373)

Why work with a broker?

Mortgage brokers shop multiple wholesale lenders for your file. You get one broker — and 20+ lenders compete for your business.

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Lower monthly payment

If rates dropped or your credit improved, you may shave $200-$700/mo off your payment.

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Pay off faster

Switch from 30-yr to 20-yr or 15-yr without a huge payment jump if rates moved your way.

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Drop PMI

Once you're past 20% equity, refinancing can eliminate PMI and save thousands annually.

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Tap equity

Cash-out refi turns home equity into liquid cash for renovations, debt payoff, or investment.

How it works

Three steps. No surprises. We tell you exactly where your file stands at each one.

1
Tell us about your current loan
5-minute online form. No credit pull. We need rate, balance, term, and goals.
2
We shop 20+ lenders for you
Wholesale rates aren't published. We pull live quotes and present the 3 best options for your file, side by side.
3
You pick. We close.
Pick the option you like. We handle disclosures, appraisal, underwriting, and closing. Typical timeline: 21-30 days.

Common questions

How much does it cost to refinance?
Closing costs typically run 2-5% of the loan amount in California. We disclose every fee in writing before you commit. Many lenders also offer no-closing-cost refis where the cost is rolled into the rate — we'll tell you which makes sense for your file.
How do I know if refinancing is worth it?
The rule of thumb is the 'break-even point' — divide your closing costs by your monthly savings to see how many months it takes to recoup. If you'll keep the loan past that, the refi pays for itself. We run this calculation for every client.
Will refinancing hurt my credit?
Hard credit pulls drop your score 2-5 points temporarily. We do a soft pull during pre-qualification and only run a hard pull when you're ready to lock. The score recovers within a few months.
Can I refinance if I'm self-employed?
Yes. We work with multiple lenders that offer bank-statement loans, P&L-only programs, and 1099 income docs. Self-employed files take a bit more legwork but options exist.
What documents will you need?
Last 2 paystubs, last 2 years W-2s or 1099s, last 2 months bank statements, current mortgage statement, and homeowners insurance declaration. For self-employed, add 2 years of tax returns.

Ready when you are

Five minutes to start. No credit pull. We'll text or email your options the same day.

Michael Banan · NMLS #2597373 · CA DRE #02238350 · 🏠 Equal Housing Opportunity