REFINANCING

Refinancing is a way to reduce the interest rate on your loan. If interest rates have decreased since you last borrowed money for your home, you may think about refinancing. There are other common reasons to refinance as well, like paying off a large lump sum payment, changing from a loan with an adjustable interest rate to a loan with a fixed interest rate, or getting cash from the equity in your home (called a cash-out). Some reasons people cash out equity include making home improvements, saving for education, and combining debts into one payment.

If you want to turn the equity in your home into money, you can consider getting a "home equity" loan. This type of loan is a good option if your current home loan has a low interest rate compared to current rates or if you have a penalty for paying off your loan early.

Benefits:

• Lower Your Interest Rate

• Get cash by leveraging the equity in your home to fund improvements and renovations.

Combine all your debts into one

• Pay less money each month

What You Need to Refinance:

• Present Evaluation and Analysis (Appraisal)

• Confirming and validating assets and income.

Type of Loan

What type of property is it?

Instant Home Purchase Analysis

Take our 30 second analysis to see if you qualify

Are You a First Time Homebuyer?

How will you use the property?

What stage of the process are you in?

What is the purchase price

$

What do you think your down payment percent % will be?

What is your credit score?

What is your gross (before taxes) annual household income?

$

What is your employment status?

Bankruptcy, short sale, or foreclosure in the last 3 years?

Can you show proof of income?

Are you working with a real estate agent?

Real Estate Agent Name

Are you working with a Loan Officer?

*

How will you use the property?

Real Estate Agent Name

What type of property is it

What is your credit score?

What is the estimated value of the property?

$

How will you use the property?

What is remaining balance on the 1st mortgage?

$

What is your first mortgage interest rate?

$

What type of rate is it?

Do you have a second mortgage?

Would you like to borrow additional cash?

How much do you want to borrow?

$

What is your employment status?

Bankruptcy, short sale, or foreclosure in the last 3 years?

Can you show proof of income?

What is your gross (before taxes) annual household income

$

Average Monthly Expenses

$

Do you currently have an FHA Loan?

Have you had any late mortgage payments in the last 12 months?

How much do you want to borrow?

$

Are you working with a Loan Officer?

*

What type of property is it?

What is your credit score?

What is the estimated value of the property?

$

How will you use the property?

What is remaining balance on the 1st mortgage?

$

What is your first mortgage interest rate?

What type of rate is it?

Do you have a second mortgage?

Would you like to borrow additional cash?

How much do you want to borrow?

$

What is your employment status?

Bankruptcy, short sale, or foreclosure in the last 3 years?

Can you show proof of income?

What is your gross (before taxes) annual household income

$

Average Monthly Expenses

$

Do you currently have an FHA Loan?

Have you had any late mortgage payments in the last 12 months?

First Name

Last Name

Your Email

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About Us

Experience our exceptional service and achieve your goals with confidence. Trust us to guide you from start to finish, because your success is our priority.

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123 Main St. Irvine, CA 92614

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Equal Housing Opportunity

West Capital Lending ™ 2025

NMLS #: 1231230, 1473858

DRE #: 02022356, 01475320

States Licensed In: CA, FL, MI, AZ, CO, TN, Etc.

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