Refinance & Save
Low Rates
Popular Options – 30 Year Fixed Conventional, FHA, VA and USDA refinance options
Conventional Rates

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30 Year Fixed

Low payments that never change

FHA Rates

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30 Year FHA

Stable monthly payment with less money down

VA Rates

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30 Year VA

100% loans to Conforming Jumbo Options available

USDA Rates

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30 Year USDA

100% financing rural properties

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

Mortgage Refinance
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
FHA Refinance
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 Refinance
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

Quick Rate Quote

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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
Refinance Mortgage
Golden State Mortgage - a MiMutual Mortgage website
Refinancing your current home loan 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.