Change your mortgage
to fit your life
Refinancing California or Florida home loans to lower monthly payments, pay off a mortgage loan faster, or cash out some equity and put it to work.
When life happens, refinance
There’s no reason anyone should be stuck with their original mortgage loan for decades if it doesn’t fit their needs today!
Refinancing can help lower monthly payments, give access to home equity for family projects, or reduce interest rates to save tens of thousands of dollars.
Whatever it is that homeowners want to accomplish with their refinance, I’ll help them find the best mortgage options, then get the new loan processed quickly and easily.
Refinancing mortgages the easy way
Mountains of experience
With 15+ years in the industry, I’ve seen it all. I’ll help my clients understand the best mortgage refinancing options for reaching their financial goals.
My clients get the lowest rates AND save on fees! With lower overhead than all the bigger mortgage firms, I can pass those savings directly on to my clients.
I’ll help my clients visualize the long-term and short-term financial impact of their refinancing options, so they can make the best decision for their future.
From answering all questions to keeping the pressure on the lender to close on time, I’m here to make my clients life easier every step of the way.
How refinancing a mortgage works
The key milestones in the mortgage refinancing journey are detailed below. When working together, I give my clients 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 the new loan on time.
Step 1 ~ Pre-Qualification
Discovering the options
This is where my clients and I discuss the current loan, the financial situation, and what is needs to be accomplished by refinancing. I’ll reply back with what the new loan could look like so my clients can make a smart decision about how to move forward.
step 2 ~ Pre-Approval
Choosing a path
When my clients are ready, I’ll guide them through the loan program selection and application process to get all of their updated financial information to the wholesale lender for a conditional approval.
step 3 ~ Approval
Finalizing the details
Once the mortgage loan is submitted for final approval, and I lock in the mortgage rate, I’ll be on top of my clients files daily. I’ll proactively coordinate with the wholesale lender to provide them any required additional documentation and get my clients to their closing date quickly and seamlessly.
Step 4 ~ Closing
Making it official!
When the loan is ready, my clients will sign the closing documents with a notary public. After a 3-day “cooling off” period, the new loan takes effect. At this point, the rates and payments have been refinanced and changed, and my clients will start benefiting immediately!
Ready to explore refinancing options?
See what my clients have to say
Have questions about mortgage refinancing?
Reach out for a no-obligation conversation. I’ll answer all refinancing questions and reply with all the options to reshape the existing mortgage. Let me know how I can help!