Where can I refinance near me in Marina del Rey?

Save Financial's Marina del Rey office is at 13763 Fiji Way, Suite EU2, Marina del Rey, CA 90292. We are a licensed California mortgage broker (NMLS #377740, DRE #01875766) and shop rate-and-term, cash-out, and self-employed refinances across multiple lenders. Call (310) 759-4757.

Can I refinance if I'm self-employed without tax returns?

Often yes. Bank statement, profit-and-loss (P&L), and 1099 refinances qualify you on cash flow instead of tax returns — built for business owners and 1099 earners whose returns understate income.

What's the difference between rate-and-term and cash-out?

A rate-and-term refinance changes your rate or term without taking equity out; a cash-out refinance replaces your loan with a larger one and gives you the difference in cash. We'll show both for your situation.

How much cash can I take out?

It depends on the program, your equity, and occupancy. We compare cash-out limits across lenders and show what you can access on your property.

Will refinancing hurt my credit?

A refinance involves a credit check, a hard inquiry that may lower your score by a few points temporarily. Multiple mortgage inquiries in a short window are typically treated as one by the scoring models.

Do you offer FHA or VA streamline refinances?

Yes, for eligible borrowers, alongside conventional and self-employed refinances. (Save Financial is not affiliated with, or endorsed by, the FHA, VA, or any government agency.)

Should I refinance or use a HELOC/HELOAN instead?

If you want to keep a low first-mortgage rate, a HELOC or HELOAN second lien may beat a cash-out refinance. If today's rate is at or below your current one, refinancing can make sense. We run both.

Which areas do you serve from this office?

All of Westside and beyond — including Marina del Rey, Venice, Playa del Rey, Playa Vista, Santa Monica, Culver City, and more — plus every California county.

Refinance · Marina del Rey, CA

Mortgage Refinance in Marina del Rey — Local Rate-and-Term, Cash-Out & Self-Employed Options from Save Financial

A mortgage refinance in Marina del Rey can lower your payment or take cash out — and self-employed owners can refinance on bank statements, a CPA P&L, or 1099 income instead of tax returns. Save Financial (NMLS #377740), a local mortgage broker at 13763 Fiji Way, Suite EU2, shops multiple lenders for the right terms. Call (310) 759-4757.

The Westside runs on self-employed income. Around the marina you'll find charter and boat businesses and hospitality operators; Venice and Abbot Kinney run on design, retail, and creative studios; Culver City and Playa Vista feed off the studio and Silicon Beach tech economy; and West LA and Santa Monica are thick with consultants, agencies, and medical and legal practices. A large share of these earners are paid on 1099, through an LLC, or in ways their tax returns understate after legitimate write-offs. For all of them, the deposits and the books tell a truer story than a trimmed return — which is why flexible documentation matters more here than in most markets, and why a broker who compares programs is worth the call.

Looking for a Refinance Near You in Marina del Rey?

Our Westside home office lets you review your current loan and goals with a licensed loan officer in person — rate-and-term, cash-out, or a self-employed refinance — rather than through a distant call center.

Save Financial — Marina del Rey office
13763 Fiji Way, Suite EU2, Marina del Rey, CA 90292
Phone: (310) 759-4757
Hours: Monday–Friday 7:00 AM–7:00 PM, Saturday 9:00 AM–3:00 PM PT

The office is just off Fiji Way near the main channel of the marina, with convenient parking and quick access from Lincoln Boulevard and the 90 Marina Freeway. We serve Westside homeowners from our Marina del Rey office across the neighborhoods below.

Areas We Serve Near Our Marina del Rey Office

Here is how a refinance tends to fit across the areas we cover from Marina del Rey:

Marina del Rey: harbor condo owners refinancing or taking cash out on strong equity.
Venice: owners of appreciated homes and duplexes tapping equity for improvements.
Playa del Rey: coastal owners lowering a payment or funding a remodel.
Playa Vista: Silicon Beach condo owners, many self-employed, refinancing without tax returns.
Santa Monica: high-value owners consolidating or pulling cash from equity.
Culver City: owners near the tech corridor refinancing appreciated homes.
West Los Angeles: self-employed professionals refinancing on cash flow, not returns.
Mar Vista: single-family owners funding an ADU or remodel via cash-out.
Westchester: Kentwood owners lowering payments or accessing equity.

These are service areas of our Marina del Rey office, not separate offices.

How a Refinance Works

A refinance replaces your current mortgage with a new one — to lower your rate or payment (rate-and-term), to take cash out of your equity, or to change your loan structure. FHA and VA borrowers may also qualify for streamlined options.

For self-employed owners, Save Financial places bank statement, profit-and-loss (P&L), and 1099 refinances that qualify you on cash flow rather than tax returns. As a broker, we compare your file across multiple lenders instead of one bank's pricing.

Common Refinance Scenarios for Westside Owners

A self-employed owner refinancing on bank statements or a CPA P&L because tax returns understate income.
A cash-out refinance to fund a remodel or an ADU on a Westside home.
A rate-and-term refinance to improve the loan structure.
Consolidating higher-cost balances into the mortgage.
Refinancing a condo where HOA details need a broker who shops lenders.

Is This Right for You?

You want to lower your payment, restructure, or take cash out on a Westside home.
You're self-employed and would rather qualify on deposits, a P&L, or 1099 than tax returns.
You have equity and a credit profile that supports the new loan.
You want a broker to compare rate-and-term and cash-out options across lenders.

Self-Employed Refinance: Which Documentation Path?

Self-employed owners can refinance without tax returns. The right path depends on how your income shows up:

Documentation path	Income proof	Tax returns?	Who it fits in Westside
Bank statement	12–24 months of deposits	No	Westside owners whose write-offs shrink taxable income
Profit & loss (P&L)	CPA-prepared P&L	No	Westside owners with clean CPA-prepared books
1099	Your 1099 forms + a reasonable expense factor	No	Westside 1099 contractors and gig workers
Full-doc	Tax returns & W-2s	Yes	Westside W-2 or clean-return borrowers

We can run more than one path and use whichever qualifies you for the best terms.

Why Work With a Local Marina del Rey Mortgage Broker?

As a broker, Save Financial shops your refinance across many lenders — including self-employed programs — rather than one bank's rate sheet, which is where you win on terms. Our office is in Westside, so we understand local valuations, condo and jumbo files, and lender turn times.

You can meet us in person, review your numbers, and get direct answers from a licensed local loan officer. Call the Marina del Rey office directly at (310) 759-4757.

How to Refinance with Save Financial

Tell us your goal — lower payment, cash out, or restructure — and your income type. Start online or call (310) 759-4757.
We compare rate-and-term and cash-out options, including self-employed documentation paths.
We shop your file across lenders for the best terms.
Close — often without leaving home.

Serving Marina del Rey: Save Financial arranges these loans in Marina del Rey and across Westside Los Angeles from our Marina del Rey office. We are a California-licensed mortgage brokerage (NMLS #377740, DRE #01875766), Equal Housing Opportunity, and shop multiple lenders for your best terms. This page is informational and not a commitment to lend; all loans are subject to credit approval, income and property review, and program availability. Call 310-759-4757 or apply online.