Refinance Your Way To A Better Future

California Mortgage Finder has the options, the expertise, and partners to ensure your next refinance is smooth and efficient.

Opportunities At Your Fingertips

There’s over 20 years of mortgage industry experience behind California Mortgage Finder. Creating refinance opportunities for our clients is something we love to do.

Refinance Programs: We have a variety of solutions to ensure we find you the right mortgage.

Low Rates: We’ll find you a low-rate mortgage, and we never charge junk fees.

Personal Connection: You’ll work directly with a licensed loan officer from start to finish.

Get The Right Refinance Program

At its core, our job is to find clients the right refinance program in the least amount of time. How do we do this? We built a loan process from the ground up based on partnerships, keeping costs low, and implementing the latest technology. And it’s backed by over two decades of mortgage industry experience and knowledge.

Refinance Options Designed For You

For many homeowners, deciding to refinance their current mortgage is a pivotal step toward achieving their long-term financial goals. The homeowner must assess the short-term and long-term benefits of refinancing to ensure the newly structured mortgage aligns seamlessly with their evolving financial needs and objectives.

Rate Reduction

Are current market rates below your current rate? Act fast before the market moves and lock in your rate reduction before it’s too late. Rates sometimes adjust two to three times a day during market volatility.

Home Improvement

Who doesn’t love a brand-new kitchen, or a new bathroom with an oversized soaking tub? We have some great home improvement mortgage options that we can tailor to meet your needs.

Debt Consolidation

A debt consolidation mortgage might be the answer to getting you back on the path to financial freedom. Low mortgage rates and fast closings will help you get out from under the debt burden and back to enjoying life.

Cash-Out

Whether you’re starting a business or need cash for the down payment on a rental property, our cash-out mortgage programs will get you the money you need without the hassle. And you’ll love the rate.

Term Reduction

California Mortgage Finder is a BIG believer in reducing the mortgage term, provided the homeowner can afford the new monthly mortgage payment. Reducing your term can save you 10’s of thousands of dollars.

Property Renovation

Some properties need significant renovation, including a new roof, windows, kitchen, all new bathrooms, and more. That’s where our property renovation solutions can help. We’ll walk you through the process and get it closed.

Besides The Low Mortgage Rates, Here Are Six Reasons Why You Should Refinance With Us

100s of Programs

Life is complicated, but finding the right mortgage doesn’t need to be. We’ll find you the right mortgage in the least amount of time so you can get back to living life.

Appraisal Waivers

Other mortgage companies will always require you to do an appraisal. Not us. Our clients sometimes qualify for an appraisal waiver. Saving you time and money.

Minimal Docs

Some clients qualify for one of our minimal-documentation refinance programs. A streamlined refinance experience that has minimal documentation and closes super fast.

Efficiency

Nobody likes a long refinance process, especially California Mortgage Finder. That’s why we’re built for maximum speed and efficiency.

Responsive

Is your current loan officer taking days, even weeks, to respond? If so, we’d love to earn your business and get you back on track with a fast closing.

Experience

California Mortgage Finder is backed by over 20 years of industry experience. We’ll help you navigate the refinance process with ease.

California Mortgage Finder

We’re the ideal partner for your next mortgage transaction.

Refinance Resources

Here are three resources to help you navigate the refinance process.

Gathering documents for a refinance

Documents Needed

See what income documents you’ll need to get approved for a refinance.

Couple celebrating after their cash-out refinance was approved

Cash-Out

Learn about your cash-out refinance options.

Two people agree with a handshake

Rate And Term

Discover the benefits of a rate and term refinance.

Refinance Requirements And Benefits

Refinancing your mortgage offers a wide range of benefits and opportunities. It’s essential that you understand the basic requirements lenders have. Factors such as the property type, credit score, and equity all play a role in the underwriter’s decision to approve your loan. Knowing the requirements ahead of time will help lead to a more efficient process and put you in a better position to lock in a lower rate.

Below, you’ll find a quick snapshot of the basic requirements every California homeowner should know and the potential long-term benefits of refinancing their current mortgage.

Underwriting Requirements You Should Know

Here are the four basic refinance requirements an underwriter will look for when they review your application and documentation.

  • Equity in the home (unless it’s a California FHA or VA refinance)
  • It must be a residential property with fewer than four units
  • A middle credit score of 580 or higher (some late mortgage payments might be allowed)
  • A debt-to-income ratio of 50% or less (total of your debts compared to your income.

You must meet additional requirements before an underwriter approves your loan application; however, these are the three most essential requirements. Additional requirements include a stable source of income and a net tangible benefit to you, the homeowner.

A Homeowner’s Long-Term Financial Benefits

A refinance of your current mortgage can have significant financial benefits. It can allow you to change your current financial path by putting you into a better mortgage that fits your needs. Here is a list of benefits homeowners in California might receive.

  • A lower rate to reduce your total interest paid
  • Consolidation of high-interest debt into a new mortgage
  • Home Improvements that will increase the value of the home
  • Locking in a shorter term to reduce the amount of interest you pay
  • Getting rid of Private Mortgage Insurance or FHA Mortgage Insurance
  • Moving from an adjustable rate to a fixed rate to secure a more stable payment plan

Locking in a lower mortgage rate is one of the main reasons a homeowner would want to consider changing their current terms. If this is your only goal, you’ll want to lower your interest rate by 0.50% or more (if there are no other benefits, such as cash-out or a shorter term).

You’ll also want to evaluate the cost involved, as that might impact your decision and require rates to move even lower before you decide to change your loan.

Paying off high-interest debt and home improvement projects are two major reasons homeowners refinance. California homeowners should know that interest rates for a new mortgage are generally much lower than those for unsecured high-interest credit card debt; sometimes, the savings are thousands of dollars annually.

As for home improvement projects, who wouldn’t want a new kitchen or bathroom? Using a cash-out refinancing loan to remodel your home is a great way to add value to your house.

Locking in a shorter term and eliminating FHA Mortgage Insurance (MI) or Private Mortgage Insurance(PMI) is a common reason homeowners in California evaluate their options to change the terms of their mortgage.

Moving from an adjustable to a fixed rate provides security and certainty that your rate and payment will never change.

The Really Fun Super Heroes Wear Capes

At California Mortgage Finder, we want to make your life easier so you can go out and be a really fun superhero. That’s why we built our loan process from the ground up to be easy and efficient.

Quick Application: You’ll be done in a flash when you complete our online application.

Easy Process: We keep the process easy and simple, which creates greater efficiency.

Sign And Close: When it’s time to close, we do everything possible to ensure a smooth finish.

Super Hero Dad With Super Hero Son

Learn More About Your Refinance Options

Never Stop Learning.

Homes On A Street

Homeowners

The Right Time To Refinance

Refinancing your home can help you achieve your financial goals. These goals may include better monthly cash flow, home improvement projects that increase the home’s…

Updated: May, 2025
Loan Officer Kevin O’Connor
Woman thinking about when she should refinance

Homeowners

Should You Refinance Your Mortgage?

One of the most common questions I receive from homeowners is: Should I refinance my mortgage? Only you, the homeowner, can decide; however, my short…

Updated: May, 2025
Loan Officer Kevin O’Connor
Loan officer reviewing his notebook for tips

Homeowners

Ten Tips For Refinancing

For many homeowners, there comes a time when a refinance is in order. For that reason, we’ve created our tips for refinancing a mortgage. There…

Updated: May, 2025
Loan Officer Kevin O’Connor

Discover The Possibilities

At California Mortgage Finder, getting low rates for clients is a top priority. Apply today and work with a 20+ year mortgage industry veteran.