California Refinance Mortgage Lender
Unlock the Full Potential of Your Home with a California Mortgage Refinance! Welcome to Capital Home Mortgage California, your trusted partner for all your California mortgage refinance needs. As a leading California refinance mortgage lender, we’re dedicated to providing homeowners like you with competitive California refinance mortgage rates, low fees, and exceptional customer service.
A Personalized Approach to Mortgage Refinancing
We appreciate the opportunity to earn your business and understand that refinancing your home is a significant decision. That’s why we offer dedicated refinance specialists who will take the time to listen to your unique needs and goals. Our experts will guide you through the entire refinance process, ensuring you understand all your options and make an informed decision.
The Benefits of Working with a Direct Lender
As a direct California refinance mortgage lender, we manage the entire refinance process in-house, from application to funding. This enables us to provide:
- Quick Approvals: Our in-house processing and underwriting team ensures fast, common-sense approvals.
- Timely Closings: We prioritize efficient closings, so you can start enjoying the benefits of your refinance sooner.
- Competitive Rates: As a direct lender, we offer competitive California refinance mortgage rates that can help you save money on your monthly payments.
Why Refinance Your California Home?
Refinancing your California home can help you:
- Lower Your Monthly Payments: By securing a lower interest rate or extending your loan term, you can reduce your monthly mortgage payments.
- Tap into Your Home’s Equity: Refinancing can provide access to your home’s equity, which you can use to fund home improvements, pay off debt, or cover unexpected expenses.
- Switch from an Adjustable-Rate to a Fixed-Rate Loan: Refinancing can provide stability and predictability in your monthly mortgage payments.
Get Started Today!
Ready to unlock the full potential of your California home? Contact us today at (323) 767-8899 to speak with one of our experienced California refinance loan officers.
California refinance Mortgage Rates
California Refinance Home Loans
California Rate & Term Refinance
A California rate and term refinance is a type of mortgage refinance that allows homeowners to refinance their existing mortgage loan without taking out any additional cash. This type of refinance is designed to help homeowners improve their financial situation by:
- Lowering Their Monthly Payments: By securing a lower interest rate or extending their loan term, homeowners can reduce their monthly mortgage payments.
- Switching from an Adjustable-Rate to a Fixed-Rate Loan: Homeowners can refinance their adjustable-rate loan to a fixed-rate loan, providing stability and predictability in their monthly mortgage payments.
- Removing Private Mortgage Insurance (PMI): If homeowners have built up enough equity in their home, they may be able to refinance their loan and remove PMI, which can save them hundreds or even thousands of dollars per year.
Eligibility Requirements
To qualify for a California rate and term refinance, homeowners must meet certain eligibility requirements, including:
- Credit Score: Homeowners must have a minimum credit score to qualify for a rate and term refinance.
- Loan-to-Value (LTV) Ratio: Homeowners must have a sufficient amount of equity in their home to qualify for a rate and term refinance.
- Income and Employment: Homeowners must demonstrate stable income and employment to qualify for a rate and term refinance.
If you’re considering a California rate and term refinance, contact us today to speak with one of our experienced mortgage professionals.
Benefits of Refinancing Your Current California Mortgage
Are you tired of feeling trapped by your current mortgage? Refinancing can be a game-changer, offering a multitude of benefits that can transform your financial situation. Here are the advantages of mortgage refinancing:
- Lower Your Monthly Payments: Refinancing can help you secure a lower interest rate, resulting in significant savings over the life of the loan. Imagine having more money in your pocket each month to invest, save, or enjoy.
- Pay Off Your Home Loan Faster: Refinancing to a shorter mortgage term, such as from 30 to 15 years, can help you pay off your home debt more quickly. This means you’ll own your home sooner and enjoy the freedom that comes with it.
- Create Equity: By refinancing to a lower interest rate, you can create equity in your property more quickly. This means you’ll have more value in your home to tap into when you need it.
- Consolidate Debt and Simplify Your Finances: Refinancing can enable you to consolidate debt from different sources, making it easier to manage your finances. Imagine having only one loan to worry about, with a single monthly payment.
Is Refinancing Right for You?
While refinancing can be a powerful financial tool, it’s essential to examine the fees associated with refinancing and evaluate whether it makes sense for your financial circumstances. Our expert mortgage advisors can help you determine whether refinancing is right for you.
FHA offers a California streamline refinances that simply reduces the interest rate and lowers the payment or shortens the term of the loan. This rate and term option can be fully documented loans, or can be reduced documentation. The other FHA option is a cash-out refinance allowing homeowners the ability to access the equity in the property.
FHA Standard Refinance
- Appraisal Required
- 97.75% Max Loan to Value
- Closing Costs Rolled In
- 80% Max Loan to for Cash-out
- Cash-out Option Available
- County Loan Limits Apply
FHA Streamline Refinance
- FHA to FHA
- No Income Qualification
- No Appraisal Required
- Closing Costs Cannot Be Rolled In
- No Lates on Mortgage in Last Year
- Payment Must Drop on Fixed Rates
Proudly Serving Active Duty, Retired and Disabled California Veterans to Save Money. Call today to speak to a VA loan officer.
VA Streamline Refinance
- VA IRRRL Rate & Term
- Streamline Option
- No Appraisal Required
- No Income Verification
VA Standard Refinance
- Cash-Out or Loan Conversion
- Full Documentation
- Appraisal Required
- Income Verification Required
California Conventional Refinance Loans are used for more refinances than any other type of mortgage loan. This is due to Conventional loans allowing for all occupancy and property types and typically don’t require any mortgage insurance due to loan to value requirements. Conventional mortgages due require higher credit scores but offer better rates.
- Freddie Mac or Fannie Mae Insured
- Primary, 2nd or Investment Homes
- Single and Multi Family
- Condo’s and Manufactured Homes
- Mortgage Insurance Options
- Lower Rates & Flexible Terms
- Maximum Loan Amount – $766,550
- High Balance (Varies By County)
California Native American Refinance Loan
California HUD 184 Refinance Home Loans can streamline rate & term, equity cash-out, or Rehabilitation of current residence.
Cash-Out or Renovation
- Appraisal Required
- 97.75% Max LTV for Rehab
- 85% Max LTV for Cash-out
- County Loan Limits Apply
Streamline Refinance
- HUD 184 to HUD 184
- No Income Qualification
- No Appraisal Required
- No Mortgage Lates in Last Year
California USDA Loans Can only be USDA to USDA, meaning you must have a current USDA loan to refinance the loan either as a rate and term or cash-out or renovation.
USDA Non Streamlined
- Appraisal / Income Documents
- Max LTV Equal to Appraisal
- Closing Costs Rolled In
- County Loan Limits Apply
USDA Streamline Refinance
- No Appraisal / Income Docs Required
- Closing Costs Can Be Rolled In
- No Lates on Mortgage in Last Year
- Payment Must Drop on Fixed Rates
California Reverse Mortgage Refinance
Reverse Mortgage Loans offer California seniors options to use their home’s equity for cash or to eliminate payments. Call today to get speak to a Reverse Loan Officer.
- Primary Residence Only
- 62 Years or Older
- Required Hud Counseling
- Homeowners Insurance Required
- Must Continue to Pay Taxes
- Meet Required Equity Values
REFINANCING YOUR California HOME... WE CAN MAKE IT WORK FOR YOU
Your home is more than just a place to live – it’s a valuable financial asset waiting to be leveraged. Refinancing can be a powerful tool to unlock your home’s potential and boost your financial well-being, allowing you to save money by changing your loan term, securing a better interest rate, or switching loan types.
Capital Home Mortgage California can help residents who qualify modify their rates and loan terms. Call today (323) 767-8899 to talk to one of our California Refinance Loan Officers.
Why California is Choosing Capital Home Mortgage
Close On Time
Complete Control from Application to Funding
Low Rates & Low Fees
Direct Lender with Competitive Rates & Fees
Exceptional Service
7 Day a Week Support Application to Final Payment
California Mortgage Company Reviews
California Mortgage Team
California Mortgage Programs
California Purchase loans
Looking to Purchase a California Home?
Looking to Purchase a Home? We have the loan program for you… Call today to speak with a loan officer to discuss your personal mortgage options.
- Primary, 2nd Home, Investment
- Low Rates & Fees, No fee Options
- FHA, VA, USDA, Native American
- Conventional, Jumbo & Renovation
- Manufactured, Construction, Reverse
California Renovation Home Loans
Looking to Rehab a California Home?
Want the Charm of an Older Neighborhood? But want a new place or a fresh look? Why not a renovation loan? Purchase the Perfect Home and make it your own.
- Remodel, Renovate or Repairs
- FHA 203K Streamline
- FHA Full Documentation Rehab
- Fannie Mae Homestyle Reno
- Freddie Mac Home Choice Reno
California FHA Home loans
Great 1st Time California Homebuyers
FHA Home Loans are great for first time home buyers, buyers with less than perfect credit, or buyers needing less out of pocket. Call today to get started.
- Smaller Down Payments
- Flexible Underwriting Guidelines
- Higher Debt to Income Allowed
- Lower Credit Scores – Down to 500
- Down Payment Gifts Allowed
California va Home Loans
100% Financing for California Vets
Proudly Serving Active Duty servicemen and women, as well as, retired and disabled veterans. Call today to speak with a VA loan officer.
- No Mortgage Loan Limits
- Simple Qualifying
- Higher Debt to Income Allowed
- Lower Credit Scores – Down to 500
- Manual Underwriting Allowed
California Conventional Home loans
Flexibility for California Homebuyers
Conventional Home Loans are the best option for flexibility of property types and for mortgage loan terms. Call today to get speak to a loan officer.
- Primary, 2nd Home, Investment
- Single and Multi-Family Properties
- Variable Mortgage Insurance Options
- Low Rates & a Variety of Terms
- Renovation Programs Available
California Jumbo Home Loans
California Non-Confirming Home Loans
Jumbo Home Loans also called Non Conforming Home Loans are great options for buyers needing financing outside of agency limits. Call today.
- Primary & 2nd Homes
- Variety of Mortgage Programs
- Simple Qualifying for Veterans
- Investor Specific Guidelines
- Credit Score Minimums
California USDA Home loans
100% California Rural Home Loans
USDA Loans are a great option for families wanting to live outside of the city. Call today to speak with a loan officer to discuss your personal loan options.
- Primary Residences
- No Down Payment Required
- New Manufactured Homes Allowed
- Closing Costs / Repairs Rolled In
- Geographic and Income Limits Apply
California Native american Loans
California Hud 184 Home Loans
HUD 184 Home Loans are solely for Native American and offer a variety of benefits. Call today to speak with a loan officer to find out more.
- Primary Residence Only
- Manual Underwriting for All Loans
- No Credit Score Requirements
- Tribal Grants Allowed
- Purchase, Refinance, and Renovation
California Manufactured Home loans
Great California Alternative Housing
Manufactured Home Loans offer options to purchase an existing residence or build your dream home on your own land. Call today to speak to a Loan Officer.
- Existing Purchase or Refinance
- New Construction
- One Time Close Land/Home Combo
- Lock at Contract
- FHA, VA, USDA, Native American
California Reverse Mortgage Loans
Your California Home at Work
Reverse Mortgage Loans offer seniors options to use their home’s equity for cash or to eliminate payments. Call today to get speak to a Reverse Loan Officer.
- Primary Residence Only
- Simple Qualifying – Equity Based
- No Credit Score Requirements
- Minimum Age 62
- Purchase, Refinance, and Cash-Out
California Non QM Home loans
Making Carolina Mortgages Possible
Looking for Non Traditional Home Mortgage Loan? Contact a Loan Officer Today to discuss the alternative mortgage options currently available.
- Purchase, Refinance & Cash-out
- Primary, Secondary, Investment
- Full Doc Programs
- Alt Doc Programs
- Corporations OK
California One Time Close Home Loans
Build Your California Dream Home
Want to Build? But unsure of what the future looks like? Remove the risk with a One Time Close Construction Loan. Call today to see how a OTC loan works.
- Primary Residences Only
- One Time Close
- Lock Rate at Closing
- Traditional Final Mortgages
- No Payments During Construction
California Refinance Mortgage loans
California Rate & Term Refinance
Refinancing can be a hard decision and the payback can sometimes be confusing. Call today and let our Loan Officers walk you through the process.
- Lower Monthly Payment
- Shorten Mortgage Term
- Streamline Options Available
- Appraisal Waivers Allowed
- VA IRRRL’s
California Cashout Mortgage Loans
California Equity Mortgage Loans
Cash-Out Mortgage Loans make use of the equity in your home by allowing you to refinance the current mortgage and access this equity to use as you see fit.
- Debt Consolidation
- Investment Opportunities
- Home Improvement
- Dream Vacation
- Higher Education
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