lower rates, bigger savings
Refinance Opportunites
Refinancing your current mortgage can help you reach your long-term financial goals. To reach your goal, it’s important to work with an experienced and licensed mortgage professional.
Kevin O’Connor is a California-licensed loan officer with over 20 years of experience helping homeowners refinance and purchase properties throughout California. Licensed by the California Department of Real Estate and holding an active NMLS license, Kevin works in association with JB Mortgage Capital, Inc.
Contact KevinYour trusted partner
Kevin specializes in rate-and-term refinances, cash-out refinances, jumbo refinances, and refinancing for self-employed and complex-income borrowers across California.
Refinance For A Better Future
Kevin’s clear-to-close method of working is the foundation for an accurate pre-approval, scenario planning, and rate-lock planning, along with an upfront document roadmap to facilitate an efficient closing process.
His underwriting optimization creates greater clarity and accountability, and a smoother experience, increasing the speed at which your loan will close.
Save thousands of dollars in interest and put more money in your pocket.
Consolidate high-interest personal debt into a new mortgage, and have only one monthly payment.
Eliminate your MI or PMI monthly payment and put that money toward retirement.
Get cash out to complete home improvement projects and increase your home’s value.
Homeowner solutions
Rate And Term or Cash-Out
A “rate and term” refinance is when you are looking to lower your rate and/or reduce the term of your loan, with no cash out. Cash-out refinances include everything from debt consolidation to home improvement projects.
Saving You Time and Money
Why You Should Work With Kevin
We know that you would rather be living life than working on a refinance. That’s why Kevin built a highly efficient refinance process to help you save time and money.
From start to finish, you’ll work directly with Kevin O’Connor, a California-licensed loan officer with over two decades of experience. He specializes in refinancing and cash-out refinancing transactions across California, working in association with JB Mortgage Capital, Inc.
Easy application, document upload, and notification service to ensure you can focus on what matters to you.
His clear-to-close approach is grounded in more than two decades of experience and expertise. It’s the industry guide to close your loan more efficiently.
Kevin has developed a unique underwriting optimization process to expedite the underwriting experience and eliminate conditions for closing.
Start your pre-approval
Refinance Guidelines
Here are the baseline refinance guidelines for homeowners in California.
Let’s Take A Look
If you’d like an honest review of whether refinancing makes sense for your situation, the California Mortgage Finder, Kevin O’Connor, a California-licensed loan officer with 20+ years of experience, offers personalized refinance guidance.
California Mortgage Finder
Low Rates, Fast Closings and Exceptional Service.
Frequently Asked Questions
Answers to some of the most frequently asked questions, Loan Officer Kevin O’Connor, the California Mortgage Finder, has heard over the last 20+ years.
If you have additional questions, don’t hesitate to ask. Kevin’s decades of experience helping California homeowners refinance their current mortgage, tailored to their unique financial situation, can help you make an informed decision.
Can I refinance if I have a previous bankruptcy?
Possibly. We offer many different loan programs that allow for a previous bankruptcy and some even allow you to currently be in the bankruptcy process.
I’m in the middle of some home improvements, can I still refinance?
Possibly. It depends if we need an appraisal, on the type of improvements and when they’ll be finished. If it’s a complete tear down type of renovation, then it’s unlikely to happen until you’re finished. The best thing to do is to either contact us by phone or through our website to discuss further.
Do you offer a limited documentation refinance program?
Yes we do! In some cases we just need a copy of your current mortgage statement, and homeowners insurance declarations page. We have a wide variety of refinance programs that offer minimal documentation options for those that qualify.
Can I have a co-signer for my refinance?
Yes, you can have a co-signer for your next refinance transaction. The individual does not need to live at the home to qualify. Contact us for more details.
Do I have to pay closing costs?
There are various structures we can look at when evaluating your options. We do have programs that allow for the lender to cover some if not all of your closing costs. Here is a general rule of thumb, the lower the cost the higher the rate and the higher the rate the lower the cost.
Can I refinance my primary residence and my secondary (or rental) at the same time?
Yes, we can close on multiple properties at the same time. This will save you both time and money.
We Make It Easy
Kevin’s clear-to-close workflow and underwriting optimization service will significantly improve the efficiency of your loan process.
Get startedRefinance Calculators
California Mortgage Finder’s refinance calculators will help you discover what’s possible with your next refinance.
Additional Refinance Resources
Education is the backbone of success. Here are additional educational resources on refinancing your mortgage.
