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What is Mortgage Refinancing?

Refinancing is the act of using a new mortgage to pay off an existing one. Generally, a person refinances a mortgage to lower their interest rate and payment or change the term (or length). It is also a great way to utilize the equity in your home and get some cash on hand.

We know how to make the home refinance process much easier with tools and knowledge that will help along the way. Start by submitting a Refinance Request.

We’ll clearly explain the different refinance options available, ensuring you select the option which best fits your goal. Whether it’s your first refinance or you’ve already done a handful, we know how to get the most out of any scenario.

What are My Refinancing Options in Corona, California?

After our Corona, CA mortgage specialists have identified your refinance goals, we’ll help you determine which kind of loan is best suited for you. If lowering your interest rate is the objective, our team will review adjustable rate mortgage (ARM) options. For those seeking lower payments, we’ll discuss changing the mortgage term. We haven’t found a situation where we can’t offer our expertise and being a part of the Corona, CA community, we take care of our neighbors.

Reverse Mortgages

Home Equity Conversion Mortgages for Seniors A reverse mortgage is a loan option for homeowners age 62 or older. Once a considerable amount of the mortgage has been paid down or owned outright, those currently living in the home can take advantage of the Home Equity Conversion Mortgage (HECM) program. These reverse equity mortgages are…

Renovation Loans

Fund Your Home Renovation Project Does your home or one you would like to purchase need a little work done? Home improvement or renovation loans give homeowners the additional money needed to fix up their house. These can be home renovation mortgages with included fixer upper funding or in the form of a personal loan.…

VA Loans

Benefits of VA Loans The Veterans Affairs website lists multiple benefits for those interested in a VA loan: may not need a down payment, negotiable interest rate, can qualify with more debt than conventional loans and more. Eligible service members, qualified veterans and their spouses can take advantage of these benefits. Since it can be…

Builder Loans

What is a Builder Loan? Worried about your credit score? Or maybe you don’t have any credit history at all? Then a builder loan may be the right answer, as it can help establish a trustworthy line of credit without ever using a credit card. A credit-builder loan isn’t usually considered a traditional type of loan…

Jumbo Loans

What is a Jumbo Loan? Jumbo Loans are a type of mortgage used to finance properties that are typically too expensive for normal conforming loan. In most countries, the max amount allowed for a conforming loan is just over $500,000, which is determined by the Federal Housing Finance Agency (FHFA). Therefore, any loan that exceeds…

Conforming Loans

What is a Conforming Mortgage Loan? A mortgage loan is consider to be a conforming loan when it satisfies the particular underwriting criteria that allow Fannie Mae and Freddie Mac to purchase the loan. It must fall under the conforming loan limit for a single-family, one-unit property as set by the Federal Housing Finance Agency.…

1st Time Homebuyer Loans

With down payment options available as low as 3%, now is the time to take that big step with a first time home buyer loan. From conventional, FHA, VA, to 203K loans, let’s talk about your unique situation and find the low down payment option that works best for you. Buying Your First Home without…

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