Change your mortgage
to fit your life

Refinancing Florida and California home loans to lower monthly payments, pay off a mortgage loan faster, or cash out some equity and put it to work.

When life happens, refinance

There’s no reason anyone should be stuck with their original mortgage loan for decades if it doesn’t fit their needs today!

Refinancing can help lower monthly payments, give access to home equity for projects, or reduce interest rates to save tens of thousands of dollars.

Whatever it is that homeowners want to accomplish with their refinance, we’ll help them find the best mortgage options, then get the new loan processed quickly and easily.

Refinancing mortgages the easy way

Mountains of Experience

With 20 years in the industry, we’ve seen it all. we’ll help our clients understand the best mortgage refinancing options for reaching their financial goals.

Simple Savings

Our clients get the lowest rates AND save on fees! With lower overhead than all the bigger mortgage firms, we can pass those savings directly on to our clients.

Transparent Terms

We’ll help our clients visualize the long-term and short-term financial impact of their refinancing options, so they can make the best decision for their future.

Concierge-Level Service

From answering all questions to keeping the pressure on the lender to close on time, we're here to make our clients life easier every step of the way.

How refinancing a mortgage works

The key milestones in the mortgage refinancing journey are detailed below. When working together, we give our clients a detailed breakdown of what needs to be done at each step (and who’s responsible), so there are no surprises and we stay on track to finalize the new loan on time.

Step 1 ~ Pre-Qualification

Discovering the options

This is where our clients discuss the current loan, the financial situation, and what needs to be accomplished by refinancing. We’ll reply back with what the new loan could look like so our clients can make a smart decision about how to move forward.

step 2 ~ Pre-Approval

Choosing a path

When our clients are ready, we’ll guide them through the loan program selection and application process to get all of their updated financial information to the wholesale lender for a conditional approval.

step 3 ~ Approval

Finalizing the details

Once the mortgage loan is submitted for final approval, and we lock in the mortgage rate, we’ll be on top of our clients files daily. We’ll proactively coordinate with the wholesale lender to provide them any required additional documentation and get our clients to their closing date quickly and seamlessly.

Step 4 ~ Closing

Making it official!

When the loan is ready, our clients will sign the closing documents with a notary public. After a 3-day “cooling off” period, the new loan takes effect. At this point, the rates and payments have been refinanced and changed, and our clients will start benefiting immediately!

Ready to explore refinancing options?

See what our clients have to say

Vanessa V.
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I’m so glad I am working with you! You’re so quick to respond and consistently provide detailed explanations. It’s like you’re anticipating my questions!
Todd D.
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Arvin was very thorough during our loan process. He's a diligent mortgage broker and his responses to all our inquiries were prompt. Our loan closed on time with no surprises and we highly recommend him.
Alice H.
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I am grateful to have worked with Arvin to refinance my loan with the lowest possible rate. It was a fast and smooth process. I couldn't be more pleased with my experience.
May P.
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Thank you so much, Arvin, for walking me through the whole process and answering all of my questions! I truly appreciate everything you have done!
John L.
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I had the best refinancing experience. Arvin asked the right questions and tailored my loan to fit my exact needs. His rates and fees were the most competitive and his knowledge and service were way beyond my expectations. He'll be my consultant again in the future.
Jobe O.
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Trusting Arvin with my refinance was without question the best decision I made. He was professional, respectful and he kept me updated throughout the entire process. I'm beyond happy with the level of attention Arvin delivers. I truly had the best experience and I highly recommend working with Arvin.
Stef V.
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Thank you for all of your help. You made the process so easy for me, and I will definitely recommend you when the opportunity arises!
Ramnik S.
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Our loan was tricky due to so many moving parts. Arvin made us feel comfortable and walked us through the entire process and details. He provided us breakdowns, calculations, and explained the intricate parts of the refinance. The process was seamless and fast. Best part, he got us an amazing rate! Thanks a lot brother!
Mark S. & Janice S.
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You have been extraordinary! Can’t thank you enough, and we will definitely refer you to others who may have a similar need. Great experience working with you!
Joe R.
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I very much enjoyed working with Arvin to obtain my mortgage loan. He is thorough, courteous, totally competent and a pleasure to work with. My loan was especially complicated and Arvin was very persistent and dedicated in obtaining loan approval. Thanks so much!
Marvin C.
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Working with Arvin on our home purchase process was truly a blessing. Arvin is thorough and transparent. He never sold us a “perfect world” mortgage scenario that would later change. He always gave me realistic numbers that I could depend on. The unbelievable part was that Arvin got us closed just 20 days after our purchase offer was accepted! We never expected it to be that fast. I will definitely recommend Arvin to any friend or family in the future.
Jason & Jenny S.
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Arvin was wonderful to work with. He was always available for questions and very responsive to texts and emails. It was a pleasure doing business with Arvin and we would highly recommend him for any mortgage needs.

Have questions about mortgage refinancing?

Reach out for a no-obligation conversation. We’ll answer all refinancing questions and reply with all the options to reshape the existing mortgage. Let us know how we can help!