CALIFORNIA HOME REFINANCE LOANS

Get California refinance loans with competitive rates and flexible terms. Choose from FHA, VA, conventional, HELOC, and specialty home refinancing options with 24-hour rate quotes.

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Explore 10+ Refinance Programs

FIND YOUR PERFECT REFINANCE OPTION

Answer a few questions to get personalized refinance recommendations from our expert team

What type of loan do you currently have?

Conventional

Traditional bank mortgage

FHA Loan

Government-backed loan

VA Loan

Veterans Affairs loan

Not Sure

We'll help you identify it

What's your main refinancing goal?

Lower Payment

Reduce monthly payment

Cash Out

Access home equity

Shorter Term

Pay off loan faster

Remove PMI

Eliminate mortgage insurance

What's your approximate current loan balance?

Under $200K

Lower loan balance

$200K - $500K

Mid-range balance

$500K - $1M

Higher loan balance

$1M+

Jumbo loan territory

What's your approximate credit score?

Excellent

740+

Good

670-739

Fair

580-669

Not Sure

We'll help you check

When do you want to refinance?

ASAP

As soon as possible

1-3 Months

Soon but not urgent

3-6 Months

Planning ahead

Just Exploring

Checking options

Get your personalized refinance recommendations

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ALL CALIFORNIA REFINANCE LOAN PROGRAMS

Each refinance program is designed for specific situations. Our experts will help you choose the perfect match for your unique needs and goals.

Conventional Loans

FIXED RATE

15- or 30-Year

Details Apply

ADJUSTABLE RATE

ARMs

Details Apply

CONFORMING

Standard and High Limit

Details Apply

Government Loans

VA LOANS

IRRRL & Cash-Out for Veterans

Details Apply

FHA LOANS

Streamline & Cash-Out

Details Apply

USDA LOANS

Rural Streamline Refinance

Details Apply

Home Equity Refinance

HOME EQUITY REFINANCE

Cash-Out vs Second Mortgage

Details Apply

HELOC REFINANCE

Variable to Fixed Conversion

Details Apply

REVERSE MORTGAGE REFINANCE

HECM, Jumbo & Second Options

Details Apply

Overwhelmed by All These Loan Options?

Let our experts guide you to the perfect refinance loan for your unique situation

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REFINANCE LOAN QUESTIONS ANSWERED

Get instant answers to the most common questions about California home refinance loans

When should I refinance my California home?
Consider refinancing when rates are 0.75% or more below your current rate, you want to switch from adjustable to fixed rate, need cash for improvements, or want to remove PMI. We also help with debt consolidation refinancing.
What are the costs of refinancing?
Refinancing costs typically range from 2-5% of the loan amount, including appraisal fees, title insurance, and lender fees. We offer no-closing-cost options and can often negotiate lender credits to reduce your out-of-pocket expenses.
How much cash can I take out?
Cash-out refinancing typically allows up to 80% loan-to-value ratio for primary residences, up to 75% for second homes, and up to 70% for investment properties. We can help you determine your maximum cash-out amount.
How long does refinancing take?
Most refinances close in 30-45 days. Streamline programs like FHA Streamline or VA IRRRL can close faster, often in 21-30 days. We provide regular updates throughout the process.
What credit score do I need to refinance?
Credit requirements vary: FHA streamline may not require credit checks, conventional loans usually need 620+, and cash-out refinancing often requires 640+. We have programs for various credit situations and can help improve your score.
What documents do I need to refinance?
Basic documents include 2 years of tax returns, 2 months of bank statements, 30 days of pay stubs, and current mortgage statement. Streamline programs may require fewer documents. We'll provide a complete checklist.

READY TO REFINANCE YOUR CALIFORNIA HOME?

Join thousands of California homeowners who saved money with our refinancing expertise. Get your rate quote in 24 hours and start saving today.

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