A second loan behind your mortgage. Your first mortgage and its rate stay put.
Step 1 of 6
Takes about a minute
Prefer to call?(949) 339-8430
“Chris is absolutely the best person for this job. He is friendly, knowledgeable, and efficient! I truly felt like I gained a friend during our refinance. Thank you, Chris!”
Your loan officer
Chris Marchese
Branch Manager, West Capital Lending
NMLS #2616366
Documents you'll need later
- Your most recent mortgage statement
- Proof of income
- Homeowners insurance declaration page
Questions
HELOC or cash-out refinance?
If your current rate is low, a HELOC usually makes more sense because you keep that rate. If your rate is high, a cash-out refinance may be better. We'll price both.
Is a HELOC rate fixed?
Most are variable. Some let you lock part of the balance at a fixed rate. You'll get the terms in writing before you decide.
Does this check my credit?
No. Nothing on this page pulls credit.
Start with a few questions.
About a minute. No credit check.