Providing personal online mortgage service since 1987, a California home loan specialist

Rand Miller

(800) 644-5363

An online refinance mortgage loan can close within 20-30 days.

A refinance home mortgage rate can be locked throughout the time it takes to close the loan.

An online mortgage if processed properly can be more convenient than the old fashion face to face application loan.

You can apply for an online refinance loan while at work or at home, in your business suit or your pajamas.

A Refinance Loan Made Easy!

Need a Refinance Loan? We have a wide variety of refinance loans, ranging from A+ credit to bad credit loans, 100% refinance loans, stated income, and no documentation "NINA" loans. We make refinancing easy, regardless of your situation.

A variety of refinance loan types to choose from:

A+ Good Credit Refinance? Yes? We will do our best to provide you with the lowest rate and cost loan. We monitor rates daily and do our best to match or beat the mortgage companies that offer the lowest rates in the region. Rarely are there rates lower than our underwriters, because we choose the lowest rates for you. Let us help you save money on your mortgage, complete our Online Application, and we will respond with a quick low rate online loan. The loan process should only take about 20-30 days.

With us, you are not just given a number, we provide personalized service. Either submit your online loan request today or call us. We will call you with the details of your approval ASAP.

Bad Credit Refinance Loan? Many companies say that they provide bad credit mortgages, but most companies offer such high rates and fees, they are actually hurting their customers more than helping them.

Our underwriters truly understand and care about our clients who have had past or current credit problems. Our underwriter's faith in you is proven by the low interest rates offered. If we can prove that our loan will solve your problems, whether it be a recent or current bankruptcy, foreclosure, or unpaid collections; if our loan can help lower your payments, solve your credit problem, and we can prove that you can make the payment, then you have a loan. Personal and professional service. Apply Online today and receive your online mortgage.

No Doc Loan or Stated Income Loan? If you don't want to show us your income or can't, that's ok. We offer a variety of loan programs that range from Stated Income [you just tell us your income and we accept it] to No Doc Loan [we don't include any verification of income or assets, that means no employer listed and no bank accounts listed]. You will be surprised, the rates aren't bad, they're actually very good, in many cases lower than rates offered by other bank full documented files. Just complete our Online Application and let us begin saving you money with a lower rate mortgage.

100% Equity Refinance Loan - In certain situations after a person has met with their CPA, their accountant recommends the client to possibly refinance their credit card debt into their home. In many cases this can both save a person in interest rate and payments in addition may allow tax deduction savings on the new amount of credit refinanced onto their home. If you have determined that this will save you money, we have a program that can help you accomplish your goals and save you money on interest. Complete our Online Inquiry, remember to mention 100% Equity Refinance in your request. We will do our best to help you weigh the pros and cons on this decision to refinance. We want you to make a prudent decision and will offer you candid helpful advice with all the details applicable. Call or email us today.

No Cost Refinance Loan - When it comes to refinancing we will do our best to help you save money. We will share with you all the options available, to help you make a smart decision. Many of our clients request that we provide them a comparison between the different rate options, comparing the benefits of buying down their interest rate with points, as compared to our No Points Refinance and our No Cost Refinance. These comparisons are very helpful and informative. Call or email us today let us help you save money on your refinance with our No Cost Refinance.

VA Streamline Refinance Program - This program is designed for veterans who already have a VA loan on their home and want to lower their interest rate without the normal paperwork requirements and without the normal costs associated with refinancing. The VA has allowed Veterans a good thing by making this streamline program available. If you need a VA Streamline Refinance, complete our Online Inquiry, being a Veteran owned mortgage brokerage firm we will do our best to provide you with the good quality service that you deserve. Veterans helping veterans.

The Online Mortgage is convenient, while sipping your coffee and wearing your pajamas at home, or in between meetings at the office, just Apply Online and email us for loan status. We should have your loan closed in less than 30 days. If you prefer talking to a representative on the phone, give us a call, we look forward to providing you personal service.