Troy Huerta • California Real Estate Broker (DRE #01028204) • Licensed Mortgage Professional (NMLS #01131869)

Stop Leaving Money on the Table

1 in 5 homeowners could save $10K+ per year with a refinance

See your personalized savings in 60 seconds. No credit impact for pre-qualification. No obligation.

Your Refi Savings Calculator

YOUR ANNUAL SAVINGS
$7,240
5 months to break even on closing costs
Calculator Disclaimer: Savings estimates are based on your inputs and current market conditions. Actual interest rates, monthly payments, and closing costs vary based on your credit score, loan-to-value ratio, property type, occupancy status, and other factors. This calculator is for educational purposes only and does not constitute an offer or a commitment to lend. Contact us for a personalized Loan Estimate with actual terms.
25+
Years in Real Estate & Mortgage
2
Active Refi Applications in Process
1%
Commission (Not 6%)

Why Refinance Now?

Lower Monthly Payment

Reduce your mortgage payment and free up cash for savings, investments, or living your life.

Faster Equity Building

Refinance to a shorter loan term (15 or 20 years) and own your home faster without massive payment increases.

Cash-Out Flexibility

Need liquidity? Tap your equity for renovations, debt consolidation, or other financial goals.

Remove PMI

If your home has appreciated, a refi can eliminate private mortgage insurance and lower your total cost.

Fixed vs. Adjustable

Worried about ARM resets? Lock in a fixed rate and eliminate future payment uncertainty.

Safe Pre-Qualification

Check your options with a soft inquiry before committing. Only hard pulls require consent for pre-approval.

Get Your Pre-Approval

See what rate you qualify for in minutes. Direct from a licensed mortgage professional with 25+ years of experience.

Pre-Qualification vs. Pre-Approval: Pre-qualification is a soft inquiry with no credit impact. To proceed with pre-approval, a hard credit inquiry (with your consent) will be required. Actual interest rates and terms depend on your credit profile, income, assets, employment verification, appraisal, title work, and property condition. All products are subject to credit and property approval.
Schedule a 30-Min Consultation

Pre-qualification takes ~5 minutes. Pre-approval typically takes 1-2 business days after documentation.