Lender & broker · Fetti Financial Services LLC · NMLS #2267023
Refinance & Cash-Out Loans in California
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 compares rate-and-term and cash-out options across lenders so you keep more of your money.
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
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.
No impact to your credit to get started.