It’s your mortgage - simplified
Take Cash Out
Leverage your investment and use the equity your house has gained over the years.
Good For
- Renovating your home
- Paying down high-interest debt
Lower Your Payment
As an established homeowner, you can improve your financial security by refinancing to a lower payment.
Good For
- Saving for college
- Planning for retirement
Shorten Your Loan Term
Into a shorter term, so you can pay off your mortgage sooner. With flexible loan terms from 8-29 years.
Good For
- Reducing the amount of interest you’ll pay
- Becoming mortgage-free faster
What are the steps to refinance
Provide Basic Information
Provide basic information either using our online loan application tool, or by calling our office at 858-442-7048 (California) or 208-807-0370 (Idaho). We will prepare your loan to meet your goals and show you what mortgage rates are available.
Choose Your Rate and Term
After we have gathered all the infomration we need, we will present you with your mortgage rate options and loan terms. Choose your year term from 30 year terms all the way down to 8 year terms! You decide how long you want to borrow for.
Satisfy Loan Conditions
Once we received your conditional loan approval we will go over the needed documents to satisfy the lenders conditions. Generally these are simple and easy to clear. We will walk you through each stage of your loan to ensure it is a peaceful transaction.
Sign Loan Docs, Fund, and Close!
After the conditions have been cleared we are then ready for the final stage, Clear to Close! (CTC). Once we hit this milestone you are able to sign your final loan docs, fund, and record your new mortgage. That's it! After experiencing our streamlined process, don't forget to refer your friends and family.
Refinance FAQ
Lower my monthly payment
You can save thousands over the course of your loan when you refinance and get a lower monthly payment.
Lower my rate
Let us shop your loan with the top lenders in the nation to lower your interest rate. Doing so can save you thousands.
Drop my mortgage insurance
Looking to remove your PMI? We can get you into a new loan program removing your mortgage insurance.
Pay off my mortgage sooner
We give you the control to choose what term you want. Looking to pay off sooner? Choose how many years you want your mortgage term to be from 30 years or less.
Keep my payment from rising
If you are in an adjustable rate mortgage, its time to refinance! Let us lock in a low fixed interest rate to prevent those future payment fluctuations.