Purchasing a home is easy when you work with Express Capital. We offer big bank funding with personalized small business service so you can experience the best of both worlds when applying for a mortgage.
Depending on your exact scenario, a refinance may help you to:
Is it the right time to refinance in CA? Here are some examples of situations where refinancing can help:
When mortgage rates have gone down versus when you took out your home loan, refinancing can help you switch to today’s lower rates.
When your adjustable interest rate is ballooning, refinance to lock in a lower fixed interest rate and you will not have to worry about your rate increasing again.
When you are moving in the near future, you can refinance to an adjustable mortgage rate (ARM), reducing your costs during the introductory period. By the time the introductory period expires, you can sell your home.
When your income or credit score has increased, refinancing your mortgage may result in lower interest rates and other benefits.
When your income has decreased, you can increase your loan term as you refinance. Doing so will have the effect of lowering what you need to pay each month on your home loan.
When your equity has increased, refinancing could qualify you for a mortgage without the requirement to pay for PMI or MIP.
When you have high-interest debts, you can pay them off with a cash-out refinance, thereby consolidating them and paying a lower interest rate going forward.
You can find out how a refinance can improve your financial life during your consultation. Tell us about your scenario, and we can let you know how refinancing could increase financial flexibility and help you save.
Please give us a call today at (949) 751-6940 to schedule your consultation. We help homeowners refinance in Tustin, throughout the Los Angeles metropolitan region, and all across the state of California. We also work with homeowners in all 50 states.
For complete loan program details please speak with a mortgage specialist. All programs, rates, terms and conditions are subject to change without notice. This is not a commitment to lend. All loans are subject to credit and collateral approval. Some products may not be available in all states. All loans are offered through Express Capital a division of Florida Capital Bank, N.A. Member FDIC NMLS ID 790396. © 2017 Express Capital. NMLS: 01477187
For complete program details, speak with one of our mortgage specialists. This is not a commitment to lend. All home lending products are subject to credit and property approval. Rates, program terms, and conditions are subject to change without notice. Not all products are available in all states or for all amounts. Other restrictions and limitations apply. Home lending products are offered through Florida Capital Bank, N.A. dba Express Capital Lending NMLS 790396. Nationwide Mortgage Licensing System & Directory information can be found at www.nmlsconsumeraccess.org.