Refinancing

At Francisco Mortgage Team, we help homeowners take advantage of refinancing opportunities to lower monthly payments, secure better interest rates, or access home equity. Whether you want to reduce your loan term or cash out equity for major expenses, our expert team ensures you get the best refinancing solution for your unique situation. Get in touch today to discover how refinancing can improve your financial standing.

Don't Miss Out on Refinancing Savings

Higher Monthly Payments

Sticking with your current mortgage could mean missing out on lower monthly payments through refinancing.

Missed Equity Opportunities

Failing to cash out home equity when you need it could leave you struggling with other high-interest debts.

Outdated Loan Terms

Without refinancing, you could be stuck with outdated loan terms, and be paying more interest over the life of the loan.

Refinancing Options Tailored to You

Rate and Term Refinancing

Rate and term refinancing allows you to secure a lower interest rate or adjust the length of your loan, reducing monthly payments or shortening your loan term.

Cash-Out Refinancing

With cash-out refinancing, you can access the equity in your home to pay for major expenses like home improvements or consolidate high-interest debts.

FHA and VA Streamline Refinancing

For qualified FHA and VA loan holders, streamline refinancing offers an easier way to reduce interest rates with minimal documentation and no appraisal requirements.

Make Your Mortgage Work for You

Refinancing your home with Francisco Mortgage Team means saving money and making your mortgage work smarter for you. We offer personalized refinancing solutions that fit your financial goals, whether you want to lower monthly payments, access cash, or secure a better loan term. Our team is committed to helping you find the best option with minimal hassle.

Our Refinancing Process

1.

Consultation

We start by reviewing your current mortgage and financial goals to identify the best refinancing options for your needs.

2.

Application and Approval

We guide you through the refinancing application process, working to secure the best rates and terms.

3.

Closing and Follow-Up

Once approved, we handle the closing process and continue to support you with any post-refinance questions or needs.

Start Refinancing Today

Ready to Save Money on Your Mortgage?

Discover how refinancing can save you money and improve your financial standing. Contact our expert team today to learn more.

Schedule a Consultation Talk to a Mortgage Expert

Why Our Clients Trust Us

Francisco Mortgage Team offers personalized refinancing options that help clients save money and achieve financial freedom. Our expert guidance and commitment to client satisfaction set us apart.

Joiye and her team were amazing to work with!!! They helped my husband and I buy our first home and were so helpful throughout the entire process! She was so quick to answer any questions we had and w…

Charlotte Rosales

We cannot be happier with Joyie and her team. It was evident from the beginning she was looking out for our best interests. She was delighted to explain the whole process in detail. I felt very cared …

Vicky Morgan

I’ve been working with Joyie for years now and the one thing that rings true each and every time is consistent integrity. Always doing the right thing. Especially when everyone else isn’t looking. Pro…

Max Franks

h Joyie ~ I can’t say enough great things about Joyie and her team! I had the pleasure of working with her through a mutual client, and she was absolutely amazing from start to finish. Her personal to…

Megan Johnson

Working with Joyie and her team was an absolute pleasure from start to finish. Their dedication to finding the best possible deal for my husband and I was evident in every interaction. Joyie’s warmth …

Briana Moreno

Where do I begin? Working with Joyie and her team was the most pleasant experience we had with a home buying process. She’s HIGHLY responsive, honest, dependable and will help you any way she can. W…

Tatiana Taylor

I closed on my home on Thursday. Working with Joyie and her team was a blessing. To have Joyie just as invested in the outcome and it be genuine was truly life changing. I am at a loss for words as I …

Todera Woods

It was a pleasure working with Joyie. She is very knowledgeable and took the stress out of the home buying and refinancing process! We would recommend this team to our family without hesitation! Thank…

Melissa

I can’t thank enough for this amazing team who made one of our dreams become a reality!! Thank you Joyie, Marianne, Karina, and Christie, and anyone I missed!! The team’s commitment, dedication, r…

Julio Cesar Martinez

What an awesome and professional team. No one else other than Joyie and her team that I’d want to take care of us during one of the most important times in our lives. All I can say is thank you for …

Blake Wise

Joyie’s team is awesome and professional. Her team helped me to purchase two houses with the perfect interest rate. She blocked interest rates at the right time. If you are looking for a lender, pleas…

Xuan Nguyen

Today I reached out to Joyie after I was already working with a previous lender to purchase an investment property. Initially, I was told that I did not qualify to purchase a home. My income profile i…

Jason Sandoval

Joyie and her team did an amazing job helping our family secure a loan for our new home. They went out of their way to assist us! We are very grateful clients who are now in a beautiful NEW HOME thank…

James Ryan

Joyie was absolutely fantastic! I’m a veteran, and she helped me use my VA loan to get an awesome home. I couldn’t have asked for a better experience. She truly cares about you and your best interests…

Derrick Christovale Jr.

If you aren’t using this company then you are missing out!! I first spoke with Joyie over a year ago and was looking to refinance my mortgage. My husband was attending a course, out of state, while I …

Lisa Rodriguez

Paul and Joyie and their team have gone through great lengths to get us our home! We officially sign today! We are first time home buyers, and given the situation at hand, on our part, they worked wit…

Ashley Balderas

Very greatful and happy for making our dream come true. 100% committed to client satisfaction. A++++ to Joyie and Team. Highly recommended. Thank you.

Raymundo Ceballos

FAQ

What is refinancing?

Refinancing is the process of replacing your current mortgage with a new one, usually to get better loan terms or cash out equity.

What are the benefits of refinancing?

The main benefits include lowering your monthly payments, reducing the interest rate, accessing equity, or shortening your loan term.

How do I know if refinancing is right for me?

If your current interest rate is higher than the market rate, or if you need cash for expenses, refinancing may be a good option. We can assess your financial situation and advise you.

What is cash-out refinancing?

Cash-out refinancing allows you to borrow against the equity in your home, receiving cash at closing to use for major expenses or debt consolidation.

How much can I save by refinancing?

The amount you save depends on your current interest rate, loan amount, and the new terms of your refinanced loan. We can calculate potential savings for you.

What’s the difference between a refinance and a home equity loan?

A refinance replaces your entire mortgage, while a home equity loan is a second loan that borrows against your home’s equity.

Do I need good credit to refinance?

Yes, a good credit score can help you secure better refinancing terms. However, there are options for those with less-than-perfect credit as well.

How long does it take to refinance?

The refinancing process usually takes 30 to 45 days from application to closing.

Can I refinance if I have a second mortgage?

Yes, but the second mortgage will need to be subordinated, meaning the lender agrees to remain in second position after the refinance.

What are the closing costs for refinancing?

Closing costs typically include application fees, title search, and appraisal fees. We’ll provide a full breakdown of costs during the process.

Save Money and Unlock Equity with Smart Refinancing Options