Refinancing in California can lower your monthly payment, shorten your term, or turn your home's equity into cash for renovations, debt payoff, or your next investment. Fetti is a nonbank lender that gets rate-and-term and cash-out refinances done — including the ones banks turn down.
See what you qualify for in California
2 minutes · no credit impact · a specialist follows up fast.
Why borrowers in California choose Fetti for refinance & cash-out loans
Rate-and-term refinance
Cash-out for renovations or debt payoff
Debt consolidation
Streamline programs for FHA/VA
Licensee
NMLS #2267023
Licensed mortgage lender & broker
CA #60DBO-153798 · FL #MBR7286 · MI #FL0024463
Fair housing
Equal Housing Opportunity
What you'll need
•Recent mortgage statement
•Proof of income
•Homeowner's insurance declarations
•Estimated home value in California
How it works
Tell us about your deal. 2 minutes, no credit impact.
We match you to the right refinance & cash-out loans structure for California.
A specialist reaches out fast with your options.
Close and fund your deal.
Refinance & Cash-Out Loans in California — FAQ
How much equity do I need to refinance in California?
Rate-and-term refinances can work with limited equity; cash-out typically needs you to keep ~20% equity after the new loan. We'll run your numbers and show what you'd net.
Is now a good time to refinance?
It depends on your current rate, how long you'll keep the home, and your goal (lower payment vs. cash out). We'll show the break-even in plain numbers — no pressure.
Can I take cash out to buy an investment property?
Yes. A cash-out refinance on your primary home is a common way to fund a down payment on a rental or flip. We do both sides under one roof.
