Refinance

Refinance only if the math actually works.

Lower your rate, shorten your term, or pull cash from equity. We'll model the real monthly change and your break-even point before you spend a dollar.

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Is now the right time?

Three reasons Californians refinance — and when each pays off.

Lower the payment

Rates dropped since you closed, or your credit improved. Worth it when the savings clear closing costs inside your time horizon.

Tap your equity

California home values have climbed. A cash-out refi can fund a remodel, consolidate debt, or buy your next property.

Shorten the term

Move from a 30 to a 15 or 20. Your payment rises, but you own it years sooner and pay far less interest overall.

Compare options

Side by side, with assumptions in the open.

Refinance type	Example rate / APR	New monthly P&I	Cash to close	Best for
Rate & term	6.50% / 6.61%	$3,034	$4,200	Lowering your payment
Cash-out	6.99% / 7.10%	$3,260	$5,600	Pulling equity out
FHA streamline	6.25% / 6.40%	$2,940	$1,900	Existing FHA loans
15-year fixed	5.95% / 6.08%	$4,470	$4,400	Owning it sooner

Assumptions. Examples assume a $520,000 loan balance, single-family owner-occupied home in California, 740+ FICO, and a 60% loan-to-value (80% for cash-out). Rates and APRs are illustrative for comparison only, current as of June 2026, and are not an offer, quote, or commitment to lend. Your actual rate, APR, payment, and costs depend on your full application.

Run your numbers

Refinance savings calculator

Enter your current loan and target rate to see monthly savings and break-even — instantly.

Embed Slot · Full width Refinance savings calculator widget Production calculator / quote tool mounts here. Renders monthly savings, total interest saved, and break-even month.

Common questions

Refinancing, answered.

How soon can I refinance after buying?

For most conventional loans there's no waiting period for a rate-and-term refinance. Cash-out and certain government programs may require six months of seasoning. We'll confirm based on your specific loan.

What does it cost to refinance?

Typical California closing costs run 2–4% of the loan amount. We show you the break-even month so you know exactly when the savings start outpacing the cost.

Will checking my rate hurt my credit?

No. Your initial rate check uses a soft inquiry with no impact to your score. A hard pull only happens later, with your consent, once you choose to move forward.

Can I refinance if I'm self-employed?

Yes. Bank-statement and 1099 refinance programs let you qualify on cash flow rather than tax returns — ideal for business owners and contractors.

Ready to compare?

Find out what your refinance actually saves.

Get a personalized rate range and break-even in minutes. No credit impact, no obligation.

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