1) Submit for a free quote here or call us at 408-573-1100.

2) Wait for one of our knowledgeable consultants to contact you (If you requested a quote) and let us structure your loan the way it should be. Let us refinance you with no points, no fees, everything will be disclosed upfront*

3) We will help you step by step to fill out your application and send you the applicable documents you need to sign.

4) We collect a few important documents along with the signed documents we sent you.

5) Sit back, and wait for your loan to be approved. In the meantime, you may be contacted by an appraiser to appraise your property.

6) We may need additional documentation after the loan is approved in order for us to move into funding.

7) The Escrow company near you will contact you to arrange a signing date.

8 ) Final loan docs will be signed and returned to the lender.

9) Your loan funds usually after 3-4 days after Final loan docs are signed.

10) You just saved a bunch of $$$ without spending a single dime! Congratulations!

A Typical refinance loan may take anywhere from 20 – 40 Days.

*Your NRCC (Non Recurring closing costs and fees will be covered. You are responsible for any taxes, insurance, fines, liens, prepayment penalties you may have on your current loan and property) In many causes, the lender may require your check or credit card to order the appraisal, but the amount will be reimbursed at closing of the loan.

Our Rates

Good as of 8/21/2010*
All rates quoted are No Point No Fees*
30 Yr Fixed - 4.375%
15 Yr Fixed - 3.875%
5/1 Arm - 3.375%
5/1 Arm High Balance -3.875%
*Rates subject to change. Quotes based off 400k loan amount for Conforming and 600k loan amount for High Balance.