Refinance Your California Mortgage
Lower your rate, reduce your payment, or access your home's equity
Get Pre-Approved
Step 1 of 6
Refinance Requirements
Current mortgage in good standing
Credit score of 620 or higher
Sufficient home equity (typically 20%+)
Debt-to-income ratio under 50%
Property appraisal
Proof of income and assets
Rate & Term
Lower your interest rate or change loan terms
Cash-Out
Access home equity for any purpose
Streamline
Fast FHA/VA refinance with less paperwork
Current Refinance Rates
Current Mortgage Rates
Last Updated: | Based on $400,000 loan amount
| Product | Rate | APR | Points | Monthly Payment |
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* Rates shown are examples and may not reflect current market conditions. Your actual rate will depend on your credit profile, loan amount, down payment, and other factors. Contact us for a personalized rate quote.