Refinance Your California Home with Confidence
Lower Payments, Access Equity, or Just Breathe Easier
π¬ Real Talk: You Need a Reason to Refi in 2025
The California market isnβt what it was. Rates are up, and the window for βeasy winsβ is gone. But if youβre sitting on high equity, high monthly payments, or high-interest debt β refinancing might still save your finances.
β Drop your monthly payment with creative term structures
β Pull cash without disrupting your low first mortgage
β Consolidate debt or pay off liens
β Switch from FHA/VA to conventional (and ditch mortgage insurance)
β Close fast with no income or appraisal (in some cases)
We help you compare every path clearly, from traditional to outside-the-box β with full transparency.
Kiyoshi Inui | President
Real people. No pressure. Just real mortgage solutions.
Based on 2025 housing and lending data from CoreLogic, ICE Mortgage Monitor, and California Association of Realtors:
π Whoβs Refinancing in 2025 β and Why Itβs Shifting Fast
π§ Boomers refinancing for debt consolidation and retirement prep
π High-equity owners with sub-5% mortgages adding 2nd liens instead
π©βπΌ Self-employed & retired borrowers are turning to non-traditional programs (bank statement, asset-based, 40-year interest-only)
ποΈ Investors and Airbnb owners are restructuring DSCR loans to boost cash flow
π FHA borrowers streamlining to drop MI
π³ Credit-heavy households using cash-outs to wipe 20%+ APR cards
Refi isnβt dead β itβs just evolved. And weβre here to help you navigate it.
π‘ What Most Lenders Wonβt Tell You
Most lenders wonβt tell you the truth β because theyβre too busy quoting rates or ghosting after pulling your credit.
π₯ They wonβt break down how banks actually price loans.
π₯ They wonβt show you side-by-side options across multiple lenders.
π₯ They wonβt tell you how to structure your income or assets to qualify smarter β not harder.
But we do. At Solve Lending & Realty, we show you whatβs behind the curtain:
β How to choose between loan types based on your goals
β How timing, income, and even property type affect approval
β How we actually shop 150+ banks to match you with the best-fit loan, not just the one that pays a higher commission
π‘ Solve Will Explore the Loan Options That Fit You Best
π Traditional & Simple Refinance Options
The most common paths β when lowering your rate or payment makes sense.
π Rate & Term Refinance
Swap your current loan for a lower rate or shorter term. Great for conventional, FHA, or VA.
π FHA Streamline Refinance
Already in an FHA loan? Refi fast β no appraisal, no income docs, and minimal costs.
π VA IRRRL (VA Streamline)
Lower your VA loan payment quickly without full underwriting. No appraisal, no hassle.
π Conventional to Conventional Refi
Keep things simple with updated terms, reduced PMI, or adjusted amortization.
π Flexible & Non-QM Refinance Options
Youβre more than a credit score. These programs qualify real life.
π Bank Statement Refinance
Self-employed? Qualify using 12β24 months of deposits β not tax returns.
π Asset-Based Refinance
Retired or not showing income? Use liquid assets to qualify instead of W2s.
π 1099-Only Loans
Contractors, commission earners, or freelancers can qualify using 1099s directly.
π ITIN Refinance
No SSN? You may still be eligible to refinance with an ITIN-based loan.
π Interest-Only & 40-Year Options
Stretch your term or defer principal for more monthly cash flow.
π° Cash-Out, Equity & Consolidation Refi Options
Tap equity to simplify life β not just rates.
π Cash-Out Refinance
Replace your current loan with a higher one and pocket the difference β all in one payment. Great for paying off credit cards, remodels, or buyouts.
π Fixed Second Mortgage (Standalone 2nd)
Keep your low first mortgage and add a fixed-rate second. No impact on your original terms β just unlock equity with predictable payments.
π HELOC (Home Equity Line of Credit)
Access a revolving credit line from your homeβs equity β draw as needed, pay interest-only. Ideal for phased projects or flexible access.
π Blended Fixed-Rate HELOCs
Get the flexibility of a line of credit with the stability of fixed payments. A hybrid option that offers quick cash in as little as 5 days, all paperless with minimal docs.
π FHA/VA Cash-Out
Government-backed cash-out options for homeowners with FHA or VA loans β flexible credit requirements and higher LTVs.
π Reverse Mortgage Refinance
If youβre 62+, refinance your reverse to access more funds or lock in better terms β or add a reverse second to access equity without disturbing your first mortgage.
ποΈ Investor, Business, & Hard Money Refi Options
Loans for properties and goals that donβt fit a traditional box.
π DSCR (Rental IncomeβBased) Refi
Refinance based on rental income β not your personal income or tax returns.
π No-Doc Investment Loans
Skip full underwriting. Use equity + property performance for quick approval.
π Business Purpose Refinance
Pull cash or refi for business reasons without TRID delays β great for entrepreneurs.
π Hard Money Refinance
Fast, equity-only loans for short-term needs, distressed files, or time-sensitive payoffs.
π LLC/Trust Refinance
Own a property in an LLC or trust? We can refinance without needing to restructure.
Weβre a California Family Helping California Families
You're not calling a call center. Youβre talking to real people, right here in California.
At Solve Lending & Realty, we believe your refinance should be handled like weβre doing it for our own family β because many times, we are.
Weβll guide you like pros and speak to you like friends. Pressure-free. Straightforward. Transparent.
π What Kind of Refinance Fits You?
Choose the goal. Weβll match the method.π
π οΈ Payment Relief Structures
40-Year Fixed, Interest-Only, ARM β Done Right
Short on monthly margin? Explore loan structures that buy you time without emptying your wallet:
Interest-only fixed
ARM resets (3/1, 5/1, 7/1)
40-year terms for extra flexibility
π FHA Streamline & VA IRRRL
Quick Refi with Minimal Paperwork
If youβve got an existing FHA or VA loan, these streamlined refis may:
Drop your payment fast
Skip the appraisal and income docs
Fund in as little as 7β10 days
πΌ Hard Money & Equity-Only Refinance
Close in 7β14 Days. No Income Needed.
Need speed or flexibility that banks wonβt give? If youβve got equity, weβve got options.
No-income, equity-based approvals
Bridge or short-term rehab refis
Business or investment use only
β€οΈ Why California Buyers Trust Solve
Home Purchase FAQs
How much do I need for a down payment?
Most California buyers donβt need 20% down. FHA loans allow as little as 3.5%, and some conventional programs go as low as 3%. VA and USDA may allow 0% down for qualified buyers.
What credit score do I need to buy a home?
While top rates go to 740+, many loan options start around 580β620. We help you match your credit profile to the right program, including FHA, VA, and non-QM alternatives.
Can I get approved if Iβm self-employed?
Yes. We work with self-employed buyers using bank statements, 1099s, asset depletion, and other creative documentation β no traditional W-2s required.
How do I get pre-approved?
We offer fast, online pre-approvals with no hard credit pull upfront. Youβll get a clear picture of your buying power β and what programs you qualify for β in minutes.
Can I buy and sell a home at the same time?
Absolutely. We help clients navigate bridge loans, contingent offers, and timing strategies so they can sell their current home and buy their next one without overlap or stress.
Do I need to pay off my debt before I buy?
No β not necessarily. What matters most is your debt-to-income ratio (DTI). Weβll help you understand what lenders look at and how to position yourself to qualify.
Ready to See If Refi Makes Sense for You?
You donβt need to commit β you just need clarity.
Whether youβre trying to lower your payment, pull equity, or restructure your loan, weβll help you see your real options with no pressure and no sales pitch.
Just real answers, from a family-run California team that knows how to help homeowners win.
Family Roots
Locally owned, family trusted.
True Partnership
Weβre by your side, start to finish.
Smart Solutions
Creative loans & real estate answers.
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Company DRE ID: 02123993
For information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval.
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