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Mortgage Broker Oakhurst CA | Home Loans | Granite West Funding

If you are looking for a competitive loan for home purchase, refinance or construction in Oakhurst or anywhere in the state of California, Granite West Funding can connect you with a loan suitable for your needs.

Call Us Today! 559-540-2275

Mortgage Refinance
in Oakhurst

Home Refinance Analysis
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If you would like to pay less interest on your current home loan or you are looking for a mortgage which better accommodates your needs, it might be time to consider a refinance in California.

With a refinance, it may be possible to switch to paying a lower interest rate on a mortgage which is more suitable given your current financial situation.

Benefits of Refinancing in California

Here are some benefits that you might be able to look forward to if you are able to successfully refinance your mortgage:

Pull Cash Out
Access equity to start or finish those home improvement projects you have always wanted to do.

Debt Consolidation
Pay off high interest cards/loans to improve monthly cash flow.

Lower your Interest Rate and/or Term
See if now is the time to lower your rate or term to save money on interest or pay off sooner.

Is It Time to Refinance Your California Home?

Here are some signs that it may be the right time to refinance your home in Oakhurst or elsewhere in CA:

When your credit score has gone up and/or your DTI ratio has gone down, you may qualify for a more competitive loan than the one you have now.

If you are looking for more stability than your adjustable rate mortgage (ARM) is giving you, it could be time to refinance to a fixed rate mortgage.

Mortgage term too short or too long? You can give yourself more or less time to pay off your mortgage by refinancing. You also can get rid of unwanted prepayment penalties.

If you have a fixed rate mortgage now but will be leaving your house sooner than you thought, refinancing to an ARM could give you access to a low introductory rate for the next few years.

Tired of paying for private mortgage insurance (PMI)? You may now qualify for a mortgage which does not include this requirement.

If you are currently stuck working with a lender that is not fair or transparent, refinancing under a different lender can replace a bad relationship with a good one.

Divorce – We offer products specifically designed for life changing events

Are You Eligible to Refinance in Oakhurst, CA?

When considering whether you qualify for a refinance, the same basic factors will be considered as when you apply for a new mortgage:

Your credit score

Your debt-to-income ratio

Your employment status

Your payment history on your current mortgage

Other financial factors

Refinance Your California Home Now

If you believe that this might be the right time for a home refinance in Oakhurst or elsewhere in California, please give us a call today at 559-540-2275 to schedule your free home refinance consultation. We look forward to connecting you with a mortgage which will better serve your needs.

Home Refinance Analysis