Refinancing Your Home Loan

Ever thought your interest rate was too high? Want to decrease your monthly payment? Refinancing your home loan accomplishes this by providing you with a new and improved mortgage. Our team at Nikkael are experts on refinances and is here to help you each step of the way.

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The Advantages of Refinancing

Get a lower interest rate

Take advantage of changing market interest rates to access a lower rate.

Lock in a lower interest rate

Your loan can be changed to a fixed rate, saving you thousands over the course of your loan term.

Reduce your monthly payment

Usually a lower interest rate means lower payments, freeing up money for improvement or retirement.

Pay off your loan early

The lower monthly payments and interest rates give you the ability to pay everything off before the term is over.

Am I Eligible?

Refinancing your mortgage is the best way to get more favorable loan terms and save money. Here’s what you typically need to qualify:

  • Your current mortgage loan is in good standing
  • Sufficient equity in your home (usually above 15-20%)
  • A qualifying credit score (usually above 620)
  • A moderate debt-to-income ratio
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Common Questions About Refinancing

The Nikkael Advantage: Attorney Owned and Operated

As an attorney-owned and operated mortgage company, we owe our clients a higher ethical obligation than a traditional mortgage broker. That means our clients have a better experience, with superior service, and an outcome that meets their needs, not ours.

No situation is too complex

No situation is too complex

With a real estate attorney at the helm, there is no situation that is too unique or complex for us to handle. Our highly trained team specializes in complex loans.

We’re also real estate attorneys

We’re also real estate attorneys

Nikkael Home Loans is owned and operated by attorneys who know how to work through challenging matters to find the best solution for you.

There’s no pressure

There’s no pressure

We won’t sell you on a loan—instead, we will educate and inform you about the best options to match your needs.

Robert R.
El Cajon, CA
I was extremely impressed with your handling of the loan – I don’t say that very often. Thanks again.
Elizabeth R.
Los Angeles, CA
We are very grateful to have you as our broker, you have helped us a lot and done a great job from the very beginning.
Allen K.
Sherman Oaks, CA
You did a wonderful job, I don’t think anyone else would have taken the time and put in the effort to get my loan closed.

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Considering Refinancing?

We’re experts in finding the best refinance loans in California. Contact us today!

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