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What to expect when refinancing your mortgage.

Take a few moments to think about your financial goals and dream a little.

Maybe you’d like to pay off your mortgage faster, pay off other debts, or take advantage of a new investment opportunity.

Refinancing into a better mortgage might be a great next step!

Potential Benefits

  • Reduce your current mortgage payment
  • Cash out for repairs and renovations
  • Switch from an adjustable-rate to a fixed-rate mortgage
  • Lower your interest rate
  • Shorten the term of your loan for a faster payoff
  • Improve the terms of your adjustable-rate mortgage

We can evaluate your loan and see if it’s a good time to refinance.

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Easy Steps to Refinancing

Step 1
Let's understand your goals

We have a stream-lined refinancing process to keep things easy and stress-free for each client. This is a great opportunity to ask us questions and tell us about your goals!

Step 2
Lock in a great rate

We’ll analyze the lending market and secure you agreat mortgage rate. If the rates change during the process, you can rest assured your rate is secure.

Step 3
Review your new refinancing options

We’ll present great options to consider based on your qualifying information and personal goals. Once you decide on a loan, we’ll finalize your application.

Step 4
Documentation roundup

We’ll work with you to make sure all documents are in order and submitted on time to keep the process running smoothly.

Step 5
Home appraisal

Now it’s time to get a formal appraisal. This will verify the current market value for the lender and secure the final terms of your new loan.

Step6
Close and celebrate

Once the lender approves your loan, we’ll go over the terms of the final agreement. Once the paperwork is signed, it’s time to rest easy!

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What People Are Saying

★★★★★ 5/5
Highly recommend Scott for all your loan needs and feel Scott deserves a 5+ star rating. Scott patiently researched various loan options until we found the right refinance for my needs. He "listens", communicates, which is high on my list, efficient and always calm. It was a pleasure working with Scott and his team.
Sarah L.
Lakeside, CA
★★★★★ 5/5
Scott went well beyond the "extra mile" to walk us through a complex process of finding the right lender and terms for our special needs. He was extremely courteous and forthright as we together worked through the various issues while he was providing solid suggestions and guidance.
Tom M.
Carlsbad, CA
★★★★★ 5/5
Scott help my husband and I re-finance our townhouse this year and made the process as easy as it possibly could be. He conducted weekly calls with us to let us know the status of the loan and what would happen next. He was always available by email and phone to answer any questions. I would highly recommend working with Scott and his team!
Heather B.
San Diego, CA
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