Refinancing your current mortgage


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Refinancing your current mortgage


We are here to help

 

Refinancing is the process of replacing your current mortgage with a new, better one. There are many reasons that people would go through the process of refinancing their mortgage: reducing the interest rate (most common reason), pulling equity out for a variety of reasons (a “Cash Out” mortgage), removing a co-signor from the current mortgage, reducing or increasing the term of the mortgage and many other reasons.

 

We are experts in structuring and re-structuring transactions for refinance. The guidelines can sometimes be complicated and you want to have someone who has the expertise in guiding you through the process to obtain the best financial outcome. We have built a ton of spreadsheets for various situations which calculate the overall savings, amount of cash out, fees (if any, 80% of our refinances are “no cost” transactions where we pick up the fees)

"Don’t I have to lower my rate by 1% in order to refinance?"

This is an old rule of thumb that has somehow stood the test of time. Yes, when loan amounts were $100,000, you would need to drop your rate by a substantial amount for the savings to be worth the fees in the long run.

However, if you have a $500,000 mortgage balance, a savings of even just .25% will result in interest savings of over $100/month, usually at without having to pay any fees.

"How will I know if it’s ‘worth it’?"

One of the benefits of working with our team is that we are always monitoring the current interest rate environment to determine if you are in the lowest rate mortgage possible. We call each of our clients at least once a year for a comprehensive mortgage review to double check that your current mortgage is still lining up with your overall financial goals. Things change and we want to make sure that your mortgage is changing with you. We also set up an awesome rate alert at the closing of your loan directly in our system which automatically updates us when the market rate is lower than your current rate so that none of our clients are ever paying too much.

We have a 96% client retention rate because we are always on the lookout for what is in your best interest (haha, get it? interest!)

 

Get in touch.


Get in touch.


If you are interested in a complimentary refinance analysis, we would love to help. Click the button below, fill out a little bit of information, and we will contact you right away to get started. It's simple. It's easy. There is no pressure, just information for you to make an informed decision.

Don’t take our word for it… Here are just a few clients who we helped refinance.


Don’t take our word for it… Here are just a few clients who we helped refinance.


This is our second time working with Andrew. He helped my husband and I with the loan process on our new home (funded in three weeks!) as well with the refinance on our previous home. Since last time, Andrew had expanded his business to Southern California, he splits his time between there and the bay area, but there was no difference as far as we can tell. The process was seamless and Andrew is always quick to return phone calls or emails. the type of attention you don’t receive working with a big bank. Andrew’s rates are very competitive and we highly recommend him.
— Cathy K., San Mateo, CA
I closed two transactions with Andrew. The process is seamless and I absolutely loved the periodic “in the loop” updates. Everything is handled remotely and electronically. Communication was great. Notary person came to my door. I was pleased with the overall process and would absolutely recommend the team.
— Yhlas K., San Francisco, CA
Our refi closed today! Everything was so smooth. When it comes to stuff like this I am incredibly anxious. Andrew and all of his staff was super responsive and constantly reasurring me that everything would be fine. They kept their word and we are so happy to save so much money! Thank you Andrew and Victor, always on top of it!
— Carey R., Campbell, CA

 
 

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