Rates are trending down. Subscribe to rate alerts.

Be the first to know when mortgage rates make a move. Stay informed. Save money.

Notify me of rate drops
your guide to

Refinance Loan Programs

Lower your interest rates or monthly payments with our flexible refinance loan options.

Get a free quote
Conventional Mortgage Rate/Term Refinance

A conventional mortgage rate/term refinance involves replacing your existing home loan with a new conventional mortgage, typically to secure a lower interest rate or adjust the loan term. This type of refinance is often used to reduce monthly payments, shorten the loan term, or switch from an adjustable-rate mortgage (ARM) to a fixed-rate mortgage for more predictable payments.

Conventional Mortgage Cash Out or Debt Consolidation Refinance

A conventional mortgage cash-out refinance or debt consolidation refinance allows homeowners to leverage their home equity to access cash for various needs, including paying off high-interest debts. This type of refinancing can be a strategic financial move for those looking to manage their debt more effectively.

FHA Mortgage Streamline Refinance

The FHA Streamline Refinance is a refinancing option offered by the Federal Housing Administration (FHA) designed to simplify the process for homeowners with existing FHA-insured mortgages. This program aims to reduce the monthly payments or convert an adjustable-rate mortgage (ARM) to a fixed-rate mortgage with minimal documentation and underwriting requirements.

VA Mortgage Streamline Refinance

The VA mortgage streamline refinance, also known as the Interest Rate Reduction Refinance Loan (IRRRL), is a program designed to help veterans, active-duty service members, and eligible surviving spouses refinance their existing VA home loans. This program aims to reduce the interest rate or convert an adjustable-rate mortgage (ARM) into a fixed-rate mortgage, resulting in lower monthly payments or more stable loan terms.

Get a free instant rate quote

Take a first step towards your dream home

Free & non binding

No documents required

No impact on credit score

No hidden costs

Get a free quote

Take your first step towards your home loan journey

Get a quote
No impact on credit score
No hidden costs
No documents required

Today’s mortgage rates in California