If you’re not happy with your mortgage rate, have no fear. Refinancing could be a great option for you, especially if you:
Mortgage refinancing gives you a chance to throw off the shackles of high interest rates with terms more beneficial for your lifestyle and circumstances. Maybe interest rates have dropped and you want to take advantage of the decline. Maybe you want a shorter mortgage duration. Maybe you want to try your luck with an increased credit score. No matter your goal, refinancing offers a chance to course-correct with a mortgage you deserve.
Afraid that if you refinance your mortgage, you’ll lose equity in your home? In most cases, you’ll actually be building equity more quickly! That’s because mortgages are most often refinanced at lower interest rates, allowing borrowers to more easily make their repayments and build equity. If you’re concerned that refinancing could hurt your equity, we’ll take a closer look at the balance you still owe on your mortgage and the current value of your home to make sure your refinancing efforts will only help you!
Assuming you have significant equity in your home, refinancing could actually put money in your pocket! If you need a significant amount of tax-free cash quickly, a Cash-Out Refinance may be the solution. This form of refinancing allows you to swap out your old mortgage for a new one in excess of what you currently owe, allowing you to effectively pocket a portion of the equity. It’s often most attractive to borrowers who have built significant equity in their homes and seen the value skyrocket.
The team at Golden Coast Finance were patient, professional and went the extra mile to help get some great terms for my home mortgage. Don't spend another minute drowning in loan jargon, just give them a call and they'll take care of you!
Everyone at Golden Coast Finance exhibited patience, kindness and a very professional manner in which they handled processing my loan. Getting a new loan can be a very stressful and trying experience. Everyone there helped make it a smooth and easy transaction. The personal touches such as their ac... Show More
The Golden Coast Finance team is amazing! They got me my home loan approval with ease and worked so fast that we were able to close on our new home early. I can't thank them enough for all their hard work and dedication to making sure I got the best rate and closed on time. I highly recommend them a... Show More
Mike, Arthur and the rest of the team at Golden Coast Finance are hands-down the best brokerage/lending company in Southern California. About three years ago I was shopping for a lender and found many lenders that promised amazing rates and swore the rate they provided was unbeatable. As a first ... Show More
This is the third time this team has helped come through on our home loan or refinance. Mike and Vanessa made the process so smooth and easy. They were able to get us approval and find us the best interest rate within hours. We appreciate their responsiveness, efficiency and friendly personalities. ... Show More
Shiela played a vital role in our refinance. The rates at the time were high. She listened to our rate goal and kept a eye on the market. Once it was down almost to our goal She reached out. We locked our rate in for 30 days. Sure enough mortgage rates started to go up again. Fortunately for us, we ... Show More
I can’t express what an amazing mortgage broker Shiela is! She made this entire process of home buying a breeze and less stressful. She guided my wife and I throughout the entire process. Never let us feel overwhelmed. If you’re looking for an amazing lender who truly cares about you, Shiela is the ... Show More
I had the pleasure of working with Shiela on an investment property. From the beginning, she was clear on the rates, costs and requirements. Throughout the weeks, she informed me of the status of my loan. Her team was also in constant communication with me and guiding me with every question I have. ... Show More
Shiela was extremely helpful, friendly, and intelligent. She knew when to lock us into our rate and kept us up to date throughout the process.
There are so many things on the list I don't know where to begin. Mike, Arthur, and Oscar have been the most helpful in the selling and purchasing transactions. Not only did they give me a VERY competitive rate, but they worked round the clock to help me close. This is just the type of service you w... Show More
Mike and his team are exceptional!!! Our mortgage approval circumstance was complex, to say the least. We had worked with 2 previous lenders who failed to help us, but Mike was able to close on our house and get things done effectively. The team communicated with us at every step of the process, and... Show More
Mike really helped us out and was very professional about the whole process. He was very transparent in what was possible and worked hard to get the rate we were hoping for. It is no wonder why he and his team has the reputation the do. They delivered on our refinance and came through. Give them a c... Show More
We had a great experience with Golden Coast Finance. We refinanced our house and are impressed by Mike Pandazos's and his team's professionalism. They were courteous and delivered on their promised interest rates and closing time. We highly recommend them.