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Loan Officer Kevin O'Connor
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Refinancing A Mortgage

Are you looking to refinance your current mortgage? Whether you’re looking to lower your interest rate, payoff of high interest rate credit card debt, improve your home to increase its value or shorten the length of your mortgage we have the information you need to make an informed decision.

When Not To Do A Refinance

by Kevin O'Connor
Modern Home

It doesn’t always make sense to refinance your current mortgage and here are some guidelines to follow when making that determination on when not to do a refinance in California. We all want the lowest rate … Read more

Categories Mortgage Industry Updates, Refinancing A Mortgage

Buying Down The Rate

by Kevin O'Connor
Nice home with swing3

Buying down the rate in California is when you pay a fee to the mortgage lender for a lower interest rate. The most widely recognized payment is “1 point buy down” which typically reduces the mortgage … Read more

Categories Mortgage Industry Updates, Refinancing A Mortgage

Loan Estimate

by Kevin O'Connor
Townhome

The Loan Estimate is a document the mortgage company provides to you within three days of completing a Loan Application. The Loan Estimate has all the important details of your loan including the interest rate and … Read more

Categories Mortgage Industry Updates, Home Buying Information, Refinancing A Mortgage

The Best Mortgage Lenders For Refinancing

by Kevin O'Connor
Home Owners

So who are the best mortgage lenders for refinancing? To determine that we need to establish what is important to a homeowner when he or she looks to refinance their current mortgage. For some people it’s … Read more

Categories Refinancing A Mortgage

How Do I Refinance My FHA Mortgage?

by Kevin O'Connor
Home Owners

How do I refinance my FHA mortgage is a common question. In fact it’s one of the more common questions we hear. Refinancing an FHA loan is a simple step-by-step process that usually can be completed … Read more

Categories Mortgage Industry Updates, FHA Mortgage Information, Refinancing A Mortgage

Is Now The Right Time To Refinance?

by Kevin O'Connor
Family in front of home

When a homeowner considers a refinance they first should clearly understand their current rate/term before they ask; is now the right time to refinance? This includes locating your previous closing statement to determine if you paid … Read more

Categories Mortgage Industry Updates, Refinancing A Mortgage

Getting A Mortgage In California

by Kevin O'Connor
Home in California

Here are the simple steps to getting a mortgage in California. Table of Contents The Basics Of Getting A Mortgage Mortgage Rate Chart Examples The First Step – Find The Right Loan Officer The Second Step … Read more

Categories Mortgage Industry Updates, Home Buying Information, Refinancing A Mortgage
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Loan Officer Kevin O'Connor

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A 17+ year veteran of the mortgage industry. Top ratings with Zillow, Google, Better Business Bureau, and more.

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JB Mortgage Capital, Inc.
16310 Porter Ave.
Riverside, CA 92504

1-800-550-5538

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JB Mortgage Capital, Inc. is a mortgage broker licensed by the state of California. DRE #1836772 and NMLS #238036. Loan Officer Kevin O'Connor is a licensed Loan Officer by the state of California: NMLS #247447 and California DRE #01499872

  • About
  • Mortgage Rates
  • Refinance
  • Purchase
  • Contact Us