Refinance

Is now the right time for you to consider a refinance of your current mortgage? Does your current mortgage have a high interest rate or are you looking to refinance because you wish to take cash out? Doing a refinance with a reputable mortgage company ensures you’ll get a great mortgage rate and a smooth closing. At JB Mortgage Capital, Inc. we provide the unique combination of a low interest rates, fast closings and exceptional customer service.

A Low Rate Mortgage:

Searching for low refinance mortgage rates in California is something we all do when we want find the lowest possible interest rate. That’s why we’ve streamlined our refinance loan process and made it more efficient. 30-year fixed, 20-year fixed, 15-year fixed, 5/1 ARM, 7/1 ARM are just some of the loan options we offer.

Do you need a jumbo mortgage?

We offer jumbo loans along with conforming loan amounts. With access to hundreds of loan programs from some of the largest lenders in the country we will work hard to find you the best possible loan. We recognize that our clients and their individual situations are unique; that’s why we take the time to find out what is best for each and every client.

Our team of professionals will make sure your refinance is an efficient and smooth transaction. We pre-underwrite every file to ensure a smooth approval process. You may be able to lower your monthly payments or reduce the time it takes to pay off your loan with a new refinance mortgage loan. You may also be able to save even more if you use your refinance proceeds to pay off credit card or other installment debt, since mortgage interest is usually 100% tax-deductible, and interest on consumer debt is not (consult your tax professional on all tax related issues).

refinance my mortgage in California

Low Refinance Mortgage Rates In California:

How do we offer such low refinance mortgage rates? Simple; we keep our costs low and find ways to be more efficient. This is exactly how we do it:

  • Low Overhead – we don’t have branch or an office; we’re an online lender. This alone is a huge savings.
  • Utilize The Latest Technology – we’re always looking for ways to make the process easier for our clients. Technology is a big part of that.
  • Efficient Process – Nearly all mortgage companies have multiple people that work on your loan. So each step of the process you’re talking to someone new. Not us; we do it differently and believe this is the future of mortgage lending. With us you will work directly with the Loan Officer from beginning to end. No more passing you off to one department to the next. This allows for a much more efficient process, fewer mistakes and better overall experience for the customer.

Providing low refinance mortgage rates in California is something I’ve been doing for over 15 years. Helping Homeowners Achieve Their Dreams is not just a saying it’s something my team fully believes in.

Customer Focused

JB Mortgage Capital, Inc. is 100% focused on the customer experience. From loan application to closing you'll work directly with one person the entire time. This ensures for a better experience for the customer and a more efficient loan process.

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Low Mortgage Rates

Making sure we provide industry low mortgage rates is a focal point at JB Mortgage Capital, Inc. We understand the importance of saving money. From fixed rate mortgages to adjustable rate mortgages we offer low rates at great terms.

Knowledge, Experience and Top Ratings:

With extensive knowledge and over 15 years of experience; we will work hard to find the best refinance terms for you and provide our industry best one-on-one personal service from application to closing. Our top ranking with the Better Business Bureau ensures that you are working with a well-respected and trusted company.

We are also a five star rated mortgage company with Mortgage101, triple “A” rated with the Business Consumers Alliance and Kevin O’Connor has a five star rating on Zillow. We work with some of the top lenders in the country to make sure we provide the best terms possible and the best overall experience.

Primary, Secondary and Rental Homes:

Our refinance loan programs cover all three ownership options:

  • Primary residence
  • Secondary residence
  • Rental property

Mortgage refinance rates in California are the same for Primary and Secondary residences. Rental properties typically comes with interest rates that are .25% to a .50% higher than Primary/Secondary residences.

Customer Focused

At JB Mortgage Capital, Inc. we offer a unique approach to customer care. From the loan application to closing you'll work with one person. This allows for a better client experience and faster closings.

Low Mortgage Rates

Low mortgage rates and great service exist at JB Mortgage Capital, Inc. We offer industry low fixed rate mortgages and adjustable rate mortgages at great terms.

Fast Closings

Closing your loan fast is essential and we understand the importance of doing this. That's why we've embraced the latest technology to ensure we exceed your expectations when it comes to closing.

Committed To Our Clients:

Obtaining a low interest rate mortgage loan might be the key to your financial future. My team and I are committed to finding you the best California refinance loan out there. Having access to over many banks and lenders gives you the client options. An experienced mortgage consultant will know how to find you the best loan program. My team and I will work hard to find you the right California refinance loan that you want.

Understanding how to best lock in your lowest possible California refinance interest rate is essential. Interest rates will vary from company to company so be sure to take the time to do your research.

From first time home buyers to seasoned real estate professionals, we are always here to help find the best interest rate for your next transaction. So if you would like the most up-to-date information on what is happening in the mortgage industry or you would like an interest rate quote for your next California Mortgage, feel free to contact us.

A+ Rating With The BBB

Important Reasons To Consider Refinancing Your Current Mortgage:

  • Get a lower mortgage rate and reduce interest costs
  • Convert an adjustable rate mortgage to a secure, fixed-rate mortgage
  • Consolidate your first and second mortgages into a mortgage with a lower rate
  • Get cash for family wants and needs

The advantages we offer you for your refinancing needs include: – Low rates – Fast and efficient loan process – Easy online application – Document upload, even from your phone – All types of mortgage programs – Guidance and advice from an experienced mortgage consultant. Contact us today for a no-cost/no-obligation quote: 1-800-550-5538 or submit a request through one of the “contact us” forms on our website.

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About Loan Officer Kevin O'Connor

About Loan Officer Kevin O'Connor

He is the founder and main contributor of koloans.com. He has over 15 years of experience as a Mortgage Loan Originator (MLO) and is a fully licensed with the state of California and the Nationwide Mortgage Licensing System (NMLS). He has a top rating with the Better Business Bureau and a top rating with Zillow. He continually delivers the results homeowners are looking for; low rates, fast closings and exceptional service: "Helping Homeowners Achieve Their Dreams"  CA DRE #01499872 and NMLS # 247447

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