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California Mortgage Home Loans | CA Mortgage Refinancing| Current and Best Interest Rates

Refinance your California Home Loan into a lower interest rate mortgage.

Reduce the mortgage payments on your home loan. Interest rates are at record lows and may soon be on the rise again.

We are a California Mortgage Broker and can help you get a the best mortgage rates.

You will find that our interest rates and fees are very competitive and we can beat your bank on a side by side comparison.

Call us today to start the loan process. Toll Free at 1-800-350-9987.






Why should I choose EKV Financial over my Bank?

We specialize if refinancing California Home Loans. As a competitive lender we offer:

  • Lower interest rates
  • Lower closing costs

Why should refinance my mortgage?

If you have a mortgage loan in California. You should refinance to:

  • Reduce Monthly Expenses
  • Save thousands in interest payments
  • Save for your kids college
  • Money for retirement

Reduce Monthly Expenses

A mortgage can represent up 50% of a households total monthly expenditures. A reduction on your mortgage payments can significantly reduce your monthly expenses.

Save thousands in mortgage interest payments

A large portion of monthly home loan payments is interest. Reducing your interest rate can reduce the amount of interest that you pay your mortgage lender each month and over the life of your loan.

Challenges Facing California Home Loan Borrowers

California homeowners face additional difficulties when trying to refinance their mortgage. These include:

  • High UN-employment
  • Reduced Income
  • Foreclosures
  • Underwater Mortgages

High UN-employment

California still has higher UN-employment that most states. This creates many challenges to California's homeowners.

Reduced income

Many industries have reduced their work force or reduced their employees hours in order to stay in business. As a result many homeowners find that they have less money each month to make their mortgage payments.

Reduced Credit Scores

A reduction in income makes it hard for a lot of people to pay their bills on time. This has resulted in those affected by the recession to default on some of their financial obligations making it more difficult to qualify for a mortgage.

Foreclosures

Although the number of people losing their home to foreclosure has stabilized, the number of people losing their home to foreclosure is still high.

Underwater Mortgage

Many people find that their real estate is underwater. A foreclosure in a neighborhood can significantly reduce the value of a home. Since the value of most homes is determined by recent sales values a foreclosure can be a serious drain on home equity.