Refinance
I help you review your current loan and see if a refinance makes sense for you.
What it is
A refinance replaces your current home loan with a new one. You can change the terms, or take cash out from your equity. I help you compare the options in plain language.
Who I help
- Homeowners who want to review their current loan
- Homeowners considering a rate-and-term change
- Homeowners considering cash-out
- Homeowners in Fresno and the Central Valley
Your two main options
- Rate-and-term: you change the rate, the term, or both, on your existing loan.
- Cash-out: you borrow against your equity and take cash at closing.
Good to know
- A refinance has closing costs, just like a purchase loan.
- An appraisal happens if it is needed for your loan.
- Refinancing does not change who owns your home.
- I tell you up front what to expect at each step.
My refinance steps
1. Review your current loan
Call me. We look at your current loan together, and we talk about what you want to change.
2. Compare options
We compare a rate-and-term change or a cash-out option. I explain the trade-offs in plain language.
3. Apply
You apply through my secure portal. I help you with the documents you need.
4. Appraisal if needed
An appraisal happens if it is needed for your loan. I keep you updated while it is done.
5. Close
You sign the final papers and close your new loan. I walk you through the closing papers.
Ready to talk?
Call me, or start your application.