California Mortgage Refinance
Refinance Your California Mortgage
Lower your rate, reduce your payment, or tap into your equity. We compare available refinance options so you don't have to.
Rate & term Cash-out FHA/VA streamline No credit impact NMLS #2787839
Get your refinance numbers in 60 seconds — no forms
Tell our AI concierge what you need — no multi-step form, no waiting.
See today's refinance rate options
Compare sample refinance scenarios, then check personalized options with no credit impact.
Refinance Requirements
Current mortgage in good standing
Credit score of 620 or higher
Sufficient home equity (typically 20%+)
Debt-to-income ratio under 50%
Property appraisal
Proof of income and assets
Don't meet all the requirements? Call us at 888-421-1117 — we have options for almost every situation.
Rate & Term
Lower your interest rate or change your loan term from 30 to 15 years.
Cash-Out
Access your home equity for renovations, debt payoff, or investments.
Streamline
Fast FHA or VA refinance with minimal documentation and faster closing.
Frequently Asked Questions
Ready to see your rate?
It takes about 2 minutes and won't affect your credit score.