Refinance & Save
Low Rates
Our Popular California Home Loans – 30 Year Fixed Conventional, FHA, VA and USDA home loan options
Conventional Rates


Primary, 2nd Homes &
Investment Properties

FHA Rates


Great for 1st Time Buyers Only 3.5% down
VA Rates


100% Loans to Conforming Jumbo Options Available
USDA Rates


100% Financing Rural Properties

Rates current as of 10/16/2017, 2:56:53 PM . Rate Assumptions

California New Home Loans
California Conventional
Mortgage Refinance
  • Primary, Secondary & Investment Properties
  • Single Famliy, Duplex, Tri and 4-Plex
  • Rate and Term
  • Cash-Out Equity
  • Loan to Value Restirctions Apply
  • County Loan Limits Apply
California FHA Home Loans
California FHA Refinance
Mortgage Benefits
  • Appraisal Required
  • Closing Costs Can Be Rolled In
  • 97.75% Max Loan to Value
  • Cash-out Option Available
  • 85% Max Loan to for Cash-out
  • County Loan Limits Apply
  • Primary Residence Only
California VA Home Loans
California VA Refinancing
Mortgage Advantages
  • Appraisal Required
  • Closing Costs Can Be Rolled In
  • 100% Max Loan for Rate and Term
  • Cash-out Option Available
  • 85% Max Loan to for Cash-out
  • County Loan Limits Apply
  • Primary Residence Only
California Home Loans
HARP Mortgage Refinance
  • Current Freddie Mac or Fannie Mae
  • Loan Closed on or before 5/31/09
  • Program Ends 12/31/2018
  • No Appraisal Needed
  • No Income Docs Needed
  • Lower Fees / Lower Adjustments
California FHA Streamline Refinance
Mortgage Benefits
  • FHA to FHA
  • No Income Qualification
  • No Appraisal Required
  • Closing Costs Cannot Be Rolled In
  • No Lates on Mortgage in Last Year
  • Payment Must Drop on Fixed Rates
California (IRR) Interest Rate
Reduction VA Mortgage Advantages
  • No Appraisal Needed
  • No Income Documentation Needed
  • No COE is Required
  • Low Rates / Low Fees
  • Reduced Funding Fee – Financed
  • Primary and Investment Properties

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Mortgage Refinance Process
  • California Mortgage Refinance Company
  • Streamline Process – Technology Driven
  • Control the Process From Application to Funding
  • Fast Closings – Typically 28 Days or Less!
  • Refinance Today and Save!
Speak to a California Mortgage Refinance Specialist
CALL TODAY (800) 536-8171
California Mortgage Refinance – Why Golden State Mortgage Lenders?
Refinancing your current home loan with Golden State Mortgage company could lower your monthly payment, help you stretch your budget, pay off existing debts, or just put a lump sum of cash into your hands. The money is yours to use any way you like — when you refinance, you can borrow additional cash to plan a dream vacation, upgrade your home, or just keep a cash reserve on hand as a financial buffer against emergencies.
Contact us today to visit with a mortgage refinance specialist to evaluate your home mortgage and discuss all available options. In addition to standard fixed rate refinance mortgages, we also offer loans designed to help you achieve specific financial goals including adjustable rate mortgages and reverse mortgages in California. We also offer FHA mortgage refinancing and VA mortgage refinancing.