Refinance Your California Home
Lower your payment, take cash out, or tap your equity with a HELOC or HELOAN. We're a licensed broker that shops multiple lenders for your refinance — so you keep the option that costs you the least.
- Lower your rate or monthly payment
- Cash-out refinance, HELOC & HELOAN (second) options
- Full-doc, stated-income, bank statement, P&L & VOE programs
- Serving all 58 California counties
- $500 Best Price Guarantee — we match or beat any lender's locked loan estimate, or pay you $500
See what you qualify for
Takes about 60 seconds. A loan officer follows up — usually within one business hour.
- ✓ 100% free
- ✓ No obligation
- ✓ No SSN to start
Why refinance with a broker instead of a bank
A bank offers one menu — its own. As an independent broker, Save Financial competes wholesale lenders against each other and brings you the refinance or equity option that actually fits your situation.
More lenders, one application
We submit once and shop your refinance across multiple wholesale lenders, instead of you applying to bank after bank.
Programs banks don't offer
Self-employed or income-light on paper? Bank-statement, P&L, VOE, and stated-income options qualify you on cash flow or assets — not just W-2s.
Keep your low first-mortgage rate
Have a great rate you don't want to lose? A HELOC or HELOAN taps your equity without touching your first loan. We'll tell you when that beats a full refinance.
Straight answers, fast
You work with a licensed loan officer directly — not a rotating call center — from quote to funding.
How refinancing works
Share the basics
Complete the short form above. It takes about a minute and there's no cost or obligation.
We shop your options
A loan officer reviews your goal and compares refinance and equity programs across multiple lenders.
Close & save
Lock your new loan and close — often without leaving home. Most refinances fund in a few weeks.
Refinance & home-equity programs we place
Whatever your goal — a lower payment, cash out, or a line of credit — there's likely a fit. A quick conversation tells us which makes sense for you.
Want to use your equity? A cash-out refinance rolls it into one new first mortgage; a HELOC or HELOAN (second mortgage) lets you borrow against your equity while keeping your existing first loan — ideal when you have a low rate to protect.
Self-employed or don't show income on tax returns? Full-doc, stated-income, bank statement, P&L, and VOE programs let you refinance on cash flow or assets instead of W-2s and pay stubs.
What California clients say
Real, verified reviews from homeowners who financed with Save Financial.
"This is my fourth time working with Mike at Save Financial… I wanted to tap my equity with a HELOAN, but since I'm retired and was self-employed I don't have traditional income with W2s. Mike qualified me on my assets with an asset-depletion loan. Professional, responsive, and honest about every step…"
"We have worked with Ali on several refinances over the past three years. It has resulted in over $1,000 in monthly savings on our mortgage. He is effective and efficient. Highly recommend him."
"I cannot say enough great things about this company… Ali is responsive, honest, hard working, and has impressed me each and every time I have worked with him. This company is the real deal and I could not be happier."
Individual results vary. Reviews reflect these clients' experiences and are not a guarantee of future outcomes.
Ready to see what you could save?
Get a free, no-obligation refinance quote from a California mortgage broker who works for you.
Backed by our $500 Best Price Guarantee — you've got nothing to lose.
Get My Custom Quote →Common questions
What's the difference between a HELOC, a HELOAN, and a cash-out refinance?
A cash-out refinance replaces your existing mortgage with a new, larger loan and gives you the difference in cash. A HELOAN (home equity loan) is a fixed-rate second loan that leaves your first mortgage untouched — useful when you want to keep a low first-mortgage rate. A HELOC is a revolving line of credit against your equity that you draw from as needed. We compare all three so you keep the structure that costs you the least.
Can I refinance or tap equity without tax returns?
Often yes. Alongside full-documentation refinances, we place bank-statement, profit-and-loss (P&L), VOE (verification of employment), stated-income, and asset-based programs for self-employed and 1099 borrowers who don't show traditional income on tax returns. You qualify on cash flow or assets instead of W-2s and pay stubs.
How much equity do I need to take cash out?
Most cash-out refinances and home equity products require you to keep 20% to 25% equity in the home after the new loan, though some programs allow more. The exact amount depends on the loan type, occupancy, and your credit profile — a quick review tells you what you can access.
Should I do a cash-out refinance or a second mortgage?
If your current first-mortgage rate is low, a HELOAN or HELOC (a second loan) often makes more sense because it leaves that low rate in place. If today's rates are at or below your current rate, a cash-out refinance can consolidate everything into one payment. We run both scenarios so you can compare the real cost of each.
Does refinancing hurt my credit score?
A refinance involves a credit check, which is a hard inquiry and may lower your score by a few points temporarily. Multiple mortgage inquiries within a short shopping window are typically treated as a single inquiry by the scoring models, so comparing lenders does not compound the impact.
Why refinance with a mortgage broker instead of a bank?
A bank can only offer its own loan products. Save Financial is an independent mortgage broker, so we shop multiple wholesale lenders and present the refinance that fits you best. That competition among lenders often means a better fit than a single bank can offer.
Which areas of California do you serve?
All 58 California counties. Save Financial has offices in Newport Beach and Marina del Rey and works with homeowners statewide.