Mortgage Refinance

Orange County Mortgage Refinancing

Mortgage refinancing your Orange County real estate is always a lot smoother when working with an Orange County mortgage company. Mortgages are a very important aspect of owning Orange County real estate. Selecting the right Orange county mortgage for your real estate needs is extremely important and we can tailor a mortgage refinance specific to your current and future real estate financing needs.

Mortgage Refinance

Refinance mortgages for Orange County real estate are available to assist all types of home owners. We can provide you with information of the most common Orange county mortgage refinance loans available for rate and term mortgage refinance or cash-out mortgage refinances: Jumbo Mortgages, Conventional Mortgages, FHA Loans, VA Loans, Adjustable Rate Mortgages, Bad Credit (sub-prime), CalPERS loans and other mortgage programs.

Jumbo Mortgages

A jumbo mortgage is any mortgage loan amount over $322,7000, which is often the case with Orange County real estate. Also jumbo loans maybe any type of niche loan that does not meet Fannie Mae / Freddie Mac mortgage guidelines regardless of mortgage loan amount. Below is just a small sample of available Orange County jumbo mortgages :

Jumbo Fixed Rate Mortgages - we have these in a 30, 25, 20, 15 and 10 year term.
Jumbo Adjustable Rate Mortgages - these adjustable rate mortgages are available based on the following indexes: T-Bill, 11th. Dist COFI and LIBOR. Jumbo adjustable rate mortgages are available with the following terms: 1,3,6,12 month ARM loans and the intermediate adjustable rate mortgages; 2/28, 3/27, 5/25, 7/23, 10/1 fixed/adjustable.
Jumbo Interest Only - Several jumbo mortgages are available with the interest only option keeping your monthly payments to a minimum.
Jumbo Sub prime Loans "bad credit mortgages" - we have programs that will allow you to mortgage refinance your home mortgage immediately after a bankruptcy, with FICO scores below 580 and some with loan amounts to $1,00,000,000.
State Income Loans / No Income Verification / No Doc Loans - we have all types of mortgages for self-employed or those who have difficulty verifying income or assets.

Learn which type of Orange County mortgage refinance of your home mortgage will best suit your needs with our personalized mortgage consultations. Please feel free to call us at: (800) 931-7377 or complete our secure online mortgage pre-qualification form or schedule an appointment via email.

Conventional Mortgages

Conventional mortgages are mortgage loans with amounts less than $322,700. These rate and term refinance mortgages are available with as little as 3% - 5% home equity or cash-out mortgage refinance up to 95% using a 80/15 mortgage. These mortgages are underwritten using Fannie Mae or Freddie Mac guidelines for sale on the secondary market. These are the most common types of mortgages available and advertised and often offer the lowest mortgage rates. Below are some conventional mortgage programs:

Fixed Rate Mortgages - we have these in a 30, 25, 20, 15 and 10 year term.
Adjustable Rate Mortgages - these conventional adjustable rate mortgages are available based on the following indexes: T-Bill and LIBOR. Jumbo adjustable rate mortgages are available with the following terms: 1,3,6,12 month ARM loans and the intermediate adjustable rate mortgages; 2/28, 3/27, 5/25, 7/23, 10/1 fixed/adjustable.

FHA Loans / VA Loans

FHA loans and VA loans are mortgage loans underwritten and insured by government entities. FHA loans are insured by HUD and VA loans are insured by the Department of Veterans Affairs. Here are some of the basic details of these refinance mortgages:

FHA Refinance Loans - There are a few FHA mortgage refinancing programs. The first allows you to mortgage refinance and get cash-out up to 85% of your homes value. If you have an existing FHA loan, you may "FHA streamline refinance" your FHA home mortgage without an appraisal, costs* or need to re-qualify. You may use the FHA mortgage refinance loan to refinance a owner occupied 2,3 or 4 unit home. The current maximum FHA loan limit is: $280,749 for a single family home and higher for units.
VA Refinance Loans - VA loans allows eligible veterans to mortgage refinance their existing VA home mortgage without an appraisal or qualifying up to $240,000. Veterans may also VA refinance their home mortgage and get cash-out up to 90% of the current value of their home with the cash-out VA refinance mortgage.

CalPERS Loans

CalPERS loans are available for approximately 49,500 Orange County members of the CalPERS, LRS or JRS. CalPERS loans offer a 60 day rate lock and two float down options at competitive mortgage rates for loans up to over $1,200,000. Here is our website dedicated to the CalPERS home loan program with current mortgage rates.

Other Mortgages

There are hundreds of additional mortgage refinance programs to refinance your home mortgage. Learn which type of Orange County mortgage refinance of your home mortgage will best suit your needs with our personalized mortgage consultations. Please feel free to call us at: (800) 931-7377 or complete our secure online mortgage pre-qualification form or schedule an appointment via email.

► Get Pre-Qualified for Orange County mortgage refinance for your home mortgage

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