HOME REFINANCE

STEP-BY-STEP

The step-by-step guiding to refinancing. Refinancing is a simple process. You don't need a dictionary or a translator to understand what it's all about. You just need a trusted expert adviser in your corner. (That's what we're here for.)

  • Start to think about refinancing. Maybe you want a lower payment, a shorter term, or some cash for a home improvement.

  • Do some research.

  • Call us at 877-353-9527 An expert mortgage professional will help you determine if refinancing is the right move.

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1.877.353.9527

APPLY

APPLY

  • You call us and have a chat about your best refinancing options.

  • You'll learn which documents you need to provide to us in support of your application. This may include W2s, pay stubs, bank statements, tax returns and others. Send them in.

  • In the best-case scenario, we contact you to let you know we're moving forward with your application. If not, we'll try to find you another refinancing option to consider.

  • Another possibility is that your application is denied. That's always a bummer. In this case, we'll let you know the reasons why. If we can, we'll suggest things that might help if you decide to reapply at some point.

CLOSING

Closing a refinancing is a little different than when you closed after buying your home. But it's nothing you can't handle.

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1.877.353.9527

CLOSING

AFTER APPROVAL

  • After your application is approved, we'll schedule a closing date and time.

  • We'll also send you a closing disclosure. Be sure to review it, as it states the key loan details as well as your closing costs and fees.

  • Closing day arrives. You'll sit down with a closing agent, sign your documents, pay any applicable closing costs, and call it a done deal.

  • If you're refinancing your primary home, your new loan will be funded three business days after closing. The three days is known as the "cooling period."

  • Celebration time. Maybe order some personalized license plates that say "REFI"? Or just pop a bottle of your favorite festive beverage. Or both.

Refinancing is more straightforward than it seems. All it means is paying off your current loan and replacing it with a new one that better meets your needs. Of course there are details to consider along the way, and we're on board to guide you through them all, start to finish.

UNLOCK YOUR

HOME'S VALUE

SMART CASH

A smart cash-out refinancing could open the door to a bright future. Put yourself in control by turning some of the equity you've built in your home into cash you can use right away.

CREATE A CASH CUSHION

Life is unpredictable. Ensuring you have cash on hand for emergencies or sudden changes is just plain smart.

PAY OFF CREDIT CARD DEBT

A cash-out refinancing could help you make some serious progress towards paying down credit card debt. And that’s a great feeling.

IMPROVE YOUR HOME

Make your home perfect with the renovation of your dreams. The right improvement project could also pay for itself by increasing your property's value.

Call Us Now

1.877.353.9527

LOAN OPTIONS

What type of loan are you interested in? 

Your loan shouldn't be one size fits all. It should be the one size that fits you.

Found the home of your dreams and having trouble qualifying or not sure you will? Curious about different types of home loans products? Not sure if you are ready to apply for a loan?  We get it, there is so much confusing information out there we wanted to have a straight forward approach to our service with no hype, gimmicks, haggle, hassles or salesman.  Whether you are looking to buy or refinance our expert staff members are excited to assist you achieve your dream.

HOME PURCHASE
LOANS

Learn More About Purchasing a New Family Home

HOME REFINANCE
LOANS

Learn More About Refinancing Your Home at a Lower Rate

HOME CASH OUT

LOANS

Need Cash? Have a Family Emergency? Want to do Home Impovemnets?

FHA

LOANS

Learn More About Federal

Home Loans

VA

LOANS

We help Veterans and Their 

Families Everyday

NO INCOME

VERIFICATION LOANS

Learn More About No Income Verification Home Loans

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18818 Teller Avenue, Suite #110,

Irvine, California 92612

Phone: 1-877-353-9527

Fax:     1-877-358-1844

Email:  info@laderaranchhomeloans.com

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