Mortgage Refinance
in Oakhurst

Home Refinance Analysis
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If you would like to pay less interest on your current home loan or you are looking for a mortgage which better accommodates your needs, it might be time to consider a refinance in California.

With a refinance, it may be possible to switch to paying a lower interest rate on a mortgage which is more suitable given your current financial situation.

Benefits of Refinancing in California

Here are some benefits that you might be able to look forward to if you are able to successfully refinance your mortgage:

Pull Cash Out
Access equity to start or finish those home improvement projects you have always wanted to do.

Debt Consolidation
Pay off high interest cards/loans to improve monthly cash flow.

Lower your Interest Rate and/or Term
See if now is the time to lower your rate or term to save money on interest or pay off sooner.

Is It Time to Refinance Your California Home?

Here are some signs that it may be the right time to refinance your home in Oakhurst or elsewhere in CA:

When your credit score has gone up and/or your DTI ratio has gone down, you may qualify for a more competitive loan than the one you have now.

If you are looking for more stability than your adjustable rate mortgage (ARM) is giving you, it could be time to refinance to a fixed rate mortgage.

Mortgage term too short or too long? You can give yourself more or less time to pay off your mortgage by refinancing. You also can get rid of unwanted prepayment penalties.

If you have a fixed rate mortgage now but will be leaving your house sooner than you thought, refinancing to an ARM could give you access to a low introductory rate for the next few years.

Tired of paying for private mortgage insurance (PMI)? You may now qualify for a mortgage which does not include this requirement.

If you are currently stuck working with a lender that is not fair or transparent, refinancing under a different lender can replace a bad relationship with a good one.

Divorce – We offer products specifically designed for life changing events

Are You Eligible to Refinance in Oakhurst, CA?

When considering whether you qualify for a refinance, the same basic factors will be considered as when you apply for a new mortgage:

Your credit score

Your debt-to-income ratio

Your employment status

Your payment history on your current mortgage

Other financial factors

Refinance Your California Home Now

If you believe that this might be the right time for a home refinance in Oakhurst or elsewhere in California, please give us a call today at 559-540-2275 to schedule your free home refinance consultation. We look forward to connecting you with a mortgage which will better serve your needs.

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Granite West Funding, LLC is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. Disclaimer: Programs subject to change without notice. All borrowers must qualify per program guidelines.

Melissa De Graaff

21:27 17 Oct 24

We cannot say enough wonderful things about working with Eric Wood at Granite West Funding. We went into the situation not knowing much about the process. Eric helped us (while educating us) every step of the way!! We highly recommend Eric and his entire team, they were all fantastic, hardworking and a very kind group of people!!

Krissi O

13:52 08 Jul 24

Granite West has been our "go to" on several occasions and never disappoint! Quick results and always professional! Highly recommend!!!

Tammi Chumney

17:22 14 Feb 23

My husband and I just bought our first investment property and it is fabulous!!It was a very unique situation that demanded a lot of precise attention to details. Eric Wood was there every step of the way! Him and his team at Granite West funding are amazing professionals and very kind hearted people to work with. :) I just can’t say enough about our seamless experience with Eric Wood. Thank you to Jackie as well! We will be a regular clients for future investments and lending needs. Big thank you to you all from the Chumney’s!!

Sherry Andersen

01:02 10 Feb 23

We just finished a deal with Eric Wood and he was great to work with. He was extremely helpful and always responded quickly to our calls, texts or emails. I have worked with many people in the lending industry and can tell you that everyone at Granite West Funding is good at what they do. They had several options available for us and they handled our financing as if they were doing it for themselves or a loved one.Thank you Granite West Funding for making each of our transactions go quickly and smoothly!

Melissa McGregor

15:23 18 Nov 19

We recently executed a long distance purchase of a Condominium at Bass Lake, from the Los Angeles area. Granite West Funding handled our funding and walked us through the process via phone calls, text messaging and e-document signing, all of which helped get us closed in 30 days. Even with a snafu in the execution of escrow, Granite West Funding went above and beyond to resolve our problem in a more than satisfactory manner! These professionals care about their clients and their business reputation, and it showed! Thank you Granite West Funding!

Mortgage Refinancein Oakhurst