Refinance Home Loans
in Stockton

FREE Home Refinance Analysis »

Do you have regrets about your current mortgage? Do you wish you had chosen a different type of mortgage rate? Do you think a lot about how much less you could be paying if you had applied for a home loan today?

You do not need to be stuck with your original home loan if it is no longer the most suitable product. In fact, the sooner you refinance your mortgage in Stockton or elsewhere in CA, the sooner you can start saving money.

What are the Benefits of a Refinance
Home Loan in California?

A home loan refinance allows you to replace your existing mortgage rates and terms with those which better serve your needs. Some potential benefits of refinancing your home loan could include:

  • Saving money on interest by paying a lower rate overall.
  • Switching to a more ideal type of interest rate (fixed versus adjustable).
  • More time to pay off your home loan.
  • Improvements across the board to your mortgage requirements (i.e. whether you need to pay for PMI, and whether you can pay your loan off early without a penalty).
  • Less stress and a more stable financial future. This by itself can be a huge intangible benefit of refinancing, and may end up being every bit as important as the money you save.

When Should You Consider Refinancing in Stockton?

Following are some situations which might call for a refinance:

If financial metrics such as your credit score have improved, your borrowing power has also. This puts you in a position to negotiate for a more favorable mortgage through a refinance.

If you are paying on an adjustable-rate mortgage (ARM) which has ballooned out of control, a refinance may be able to restore financial stability.

Discovered that you will be leaving the Stockton area soon? Think about refinancing your fixed-rate mortgage into an adjustable-rate mortgage and reaping the savings from the low introductory rate between now and when you move out.

Chose an ARM initially, but prefer a fixed rate mortgage now that you know you’ll be staying in your home for the long term? A refinance means you will pay predictable rates going forward.

Can’t make ends meet with your monthly bills? Extend your mortgage term so that you have more time to pay off your loan, and you can reduce how much you pay each month.

Wish there were a way you could pay off your mortgage before the full term is up without being penalized? Refinancing to a home loan without such penalties could save you money.

There may be other situations as well where a refinance in California could simplify your financial life and save you money. This is something which we can discuss with you during your Stockton refinance free consultation.

What Our Clients Are Saying

Ashley Wise
Ashley Wise
17:09 02 Apr 20
Kelly Hasko
Kelly Hasko
20:46 13 Mar 20
22:40 28 Jan 20
My experience with HMLC has been exceptionally good, as a veteran, I would recommend HOME Mortgage Lending Co. knowledge of Veterans benefits and needs is a plus.
Vanessa Medina
Vanessa Medina
17:18 07 Oct 19
I had an AMAZING first-time home buying experience with H.O.M.E Lending! Don Burns and his assistant Paula were a joy to work with and made every step of the way extremely easy and stress free. I... loved that I was kept informed through each step as progress was made, and I felt like my experience was customized, rather than feeling like "just another client." I will definitely be bringing my business back in the future! Still in awe with my home and the treatment I was given!read more
Ashley Acker
Ashley Acker
16:57 04 Oct 19
Don and his team will do everything possible to get you in a home you truly love! They are excellent at prompt communication, and were so kind and patient while we asked a million questions about the... homebuying process. Few things are more stressful than buying your first home, and Don and Paula were so great and made it so easy. Don kept us aware of the rates and made sure to lock in our loan when rates were the best for us. He is an excellent agent, broker, and lender, and has SO much knowledge about every single step of the process! Thanks so much, Don and team!read more
Christy Werner
Christy Werner
16:44 15 Sep 19
Don and his staff at H.O.M.E. Lending went far above and beyond to assist me with a (by no fault of theirs) complicated sale of my home and purchase of a new home. Had it not been for Don and his... staff, I would not be sitting happily in the home of my dreams right now. Don was a wealth of knowledge and a huge support throughout the entire transaction. His staff was professional, pleasant and amazing to work with. I will, without reservation, be recommending H.O.M.E Lending to my friends and family. I am very grateful that I found H.O.M.E. more
Kevin Goehring
Kevin Goehring
19:13 11 Sep 19
I met Don Burns when he represented a buyer for a property I had listed. I was very impressed with Don's communication, professionalism, and attention to detail. In fact, I was so impressed with Don... and the H.O.M.E Lending team that I have referred several of my clients to them for their refinance and purchase money needs. These referrals have all been pleased with the service and low rates. I have been equally as happy with the quick and easy closing and outstanding communication throughout the process. I have found that Don and the H.O.M.E Lending team actually care about their clients and offer a personal touch not found with the big more
Brian Frantz
Brian Frantz
21:21 04 Sep 19
I've found Don to be knowledgeable, always available and felt he really cares for his clients. I highly recommend Don and the H.O.M.E. Lending team!
Shari Cardenas
Shari Cardenas
20:08 20 Aug 19
Don Burns and company, we're all Amazing! Never had hubby and I thought we'd own. Don helped us with plan to pay credit and get a loan! I'm sitting in my new beautiful forever home!!! Thanks guys!

Apply For a California Refinance Home Loan Today

If you are ready to schedule your consultation, please call (209) 477-0262 or email As soon as you refinance your mortgage, you can begin reaping the benefits in terms of cost savings, financial stability and peace of mind.

Free Home Refinance Analysis »