Loan program
Refinancing in Culver City
Replace your current mortgage with a new one to lower your payment, change your term or switch loan types.
No credit check to see your options
Is it right for you?
Refinance could be a fit if…
- You want a lower monthly payment
- You want to pay your home off sooner
- You want to drop mortgage insurance
- You want to switch from an adjustable to a fixed rate
The honest view
Pros and cons
What's good
- Can lower your monthly payment
- Can remove mortgage insurance
- Can move you from adjustable to fixed
What to watch
- There are closing costs
- Resetting your term can raise total interest
- Only worth it if you stay long enough to break even
Compare
How Refinance compares
I compare these side by side with real lender pricing before you choose.
Swipe the table to compare →
| Feature | Refinance | Cash-out and HELOC | Conventional |
|---|---|---|---|
| Best for | Moving out of a costly loan into a better one | Funding your business or next property | Two years of solid tax returns |
| Backed by | Depends on the new loan | Depends on the loan | Not government-backed (Fannie Mae / Freddie Mac rules) |
| Credit | Depends on the new loan | Varies by lender | Usually higher than FHA |
| Mortgage insurance | Can remove it if you have enough equity | Usually none on a HELOC | Needed below 20% equity; removable later |
| Property | Main home, second home or rental | Main home; some lenders allow others | Main home, second home or rental |
| Loan limit | Depends on the new loan | Based on your home's value and equity | Conforming limit set by county |
When does refinancing make sense?
When the savings beat the closing costs within the time you plan to stay. I'll show you your break-even point.
Can I refinance an FHA loan to conventional?
Often yes, especially once you have more equity. That can also remove FHA mortgage insurance.
Do I need an appraisal?
Usually, though some programs allow a waiver. I'll check what applies to you.
Can I take cash out while refinancing?
Yes, that's a cash-out refinance. Compare it with a HELOC first — I can show both.
Reviews
Read all on GoogleDon't take my word for it
“Sample review — replace with a real one. Two banks said my income was too low. Brian used my business statements and got us approved.”
“Sample review — replace with a real one. Closed my second rental in my LLC without showing a single tax return.”
“Sample review — replace with a real one. Pulled equity for my studio build-out. Brian laid out three options in plain English.”
Let's see if Refinance is your best option.
Two minutes, no credit check. I'll compare it against every other loan you qualify for.
Get My Refinance QuoteOr call or text (310) 555-0177