Change your mortgage
to fit your life

Refinance your California or Florida home loan to lower your payments, pay off your loan faster or cash out some equity so you can put it to work.

When life happens, refinance

There’s no reason you need to be stuck with your original mortgage for decades if it doesn’t fit your needs today!

Refinancing can help lower your monthly payments, access equity for family projects, or lock-in all-time low rates to save tens of thousands of dollars.

What do you want to accomplish when you refinance? Whatever your answer, I’ll help you find the best mortgage options, then get your new loan processed quickly and easily.

Refinance your mortgage the easy way

Mountains of experience

With 15+ years in the industry, I’ve seen it all. I’ll help you understand the best mortgage refinancing options for reaching your financial goals.

Simple Savings

You’ll get the lowest rates AND save on fees! With lower overhead than most big mortgage firms, I can pass those savings on to you.

Transparent terms

I’ll help you visualize the long-term and short-term financial impact of your refinancing options, so you can make the best decision for your future.

Concierge-level service

From answering all your questions to keeping the pressure on your lender to close on time, I’m here to make your life easier every step of the way.

How refinancing your mortgage works

The key milestones in your refinancing journey are detailed below. When we work together, I’ll give you a detailed breakdown of what needs to be done at each step (and who’s responsible), so there are no surprises and we stay on track to finalize your new loan on time.

Step 1 ~ Pre-Qualification

Discover your options

Let’s talk about your current loan, your financial situation, and what you want to accomplish by refinancing. I’ll let you know what your new loan could look like so you can make a smart decision about how to move forward.

step 2 ~ Pre-Approval

Choose your path

When you’re ready, I’ll guide you through the application process to get all your updated financial information to the lender for a conditional approval.

step 3 ~ Approval

Finalize the details

Once we submit your loan for final approval and lock in your rate, I’ll be on top of your file daily. I’ll proactively coordinate with your lender to provide any required additional documentation and get you to your closing date quickly and seamlessly.

Step 4 ~ Closing

Make it official!

When the loan is ready, you’ll sign the closing documents with a notary public. After a 3-day “cooling off” period, your new loan takes effect. Your rates and payments have changed, and you will start benefiting immediately!

Ready to explore your refinance options?

See what my clients have to say

Vanessa V.
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I’m so glad I am working with you! You’re so quick to respond and consistently provide detailed explanations. It’s like you’re anticipating my questions!
Todd D.
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Arvin was very thorough during our loan process. He's a diligent mortgage broker and his responses to all our inquiries were prompt. Our loan closed on time with no surprises and we highly recommend him.
Alice H.
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I am grateful to have worked with Arvin to refinance my loan with the lowest possible rate. It was a fast and smooth process. I couldn't be more pleased with my experience.
May P.
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Thank you so much, Arvin, for walking me through the whole process and answering all of my questions! I truly appreciate everything you have done!
John L.
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I had the best refinancing experience. Arvin asked the right questions and tailored my loan to fit my exact needs. His rates and fees were the most competitive and his knowledge and service were way beyond my expectations. He'll be my consultant again in the future.
Jobe O.
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Trusting Arvin with my refinance was without question the best decision I made. He was professional, respectful and he kept me updated throughout the entire process. I'm beyond happy with the level of attention Arvin delivers. I truly had the best experience and I highly recommend working with Arvin.
Stef V.
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Thank you for all of your help. You made the process so easy for me, and I will definitely recommend you when the opportunity arises!
Ramnik S.
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Our loan was tricky due to so many moving parts. Arvin made us feel comfortable and walked us through the entire process and details. He provided us breakdowns, calculations, and explained the intricate parts of the refinance. The process was seamless and fast. Best part, he got us an amazing rate! Thanks a lot brother!
Mark S. & Janice S.
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You have been extraordinary! Can’t thank you enough, and we will definitely refer you to others who may have a similar need. Great experience working with you!
Joe R.
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I very much enjoyed working with Arvin to obtain my mortgage loan. He is thorough, courteous, totally competent and a pleasure to work with. My loan was especially complicated and Arvin was very persistent and dedicated in obtaining loan approval. Thanks so much!
Marvin C.
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Working with Arvin on our home purchase process was truly a blessing. Arvin is thorough and transparent. He never sold us a “perfect world” mortgage scenario that would later change. He always gave me realistic numbers that I could depend on. The unbelievable part was that Arvin got us closed just 20 days after our purchase offer was accepted! We never expected it to be that fast. I will definitely recommend Arvin to any friend or family in the future.
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Have questions about mortgage refinancing?

Reach out for a no-obligation conversation. I’ll answer all your refinancing questions and tell you what options you’ve got to reshape your mortgage. Let me know how I can help!