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Mortgage Refinance Santa Cruz

Want to pay down your Santa Cruz mortgage balance more quickly? Keep a similar monthly payment or pay less each month.


Let our mortgage experts help you get the ideal refinance loan. We're ready to show you how a refi can save you money.

If you dread all the paperwork that you think comes with refinancing, we’ve got great news! “Less paperwork and more individual service” means you enter an anxiety-free zone from application to closing. We will guide you through the process and make it worry-free to improve your interest rate and monthly payment amount.

Why do people typically refinance?

Cash Out Refinance

Sometimes people need cash out for a variety of reasons, like...

  • Money for school

  • Consolidate debt

  • Business ventures

  • Big-ticket purchases

Shorten Term Refinance

People can reduce their mortgage term and potentially save thousands of dollars over the life of their loan.

  • Short-term typically means lower interest rate

  • Consolidate debt mortgage loan

  • Pay off your home faster

  • Reduce life-of-loan interest paid


Payment Savings Refinance

Payment relief is a very common reason why someone may want to refinance. Possible benefits are...

  • Re-amortizing your mortgage

  • Potentially decrease the interest rate

  • Great to help improve cash flow

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