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CALSUN MORTGAGE

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Why choose Calsun Mortgage?

Loans for Self Employed

Loans for First Time Homebuyer

Zero Closing Costs

Quick Loan Approval

Trust Since 1986


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What is a Refinance Mortgage?

A mortgage refinance is the process of obtaining a new loan to pay off an old or existing lender. Homeowners can replace their current mortgage with a more suitable loan via refinancing. Refinances can be utilised for a variety of reasons, including lowering monthly mortgage payments, covering personal expenses, and cancelling mortgage insurance charges.

Many borrowers in a variety of scenarios benefit from the availability of “no-cost” loans, low mortgage refinance rates and a number of other lending products that come with refinance mortgages.

Jumbo Loan interest rates are affected by a borrower’s financial credentials.

To get a personalized quote, Phone 818-921-7053, Email: info@calsunmortgage.com or

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Get the Best California Refinance Mortgage for You!

CalSun was the first private lending institution to determine a client’s eligibility for financing and provide them with a fully underwritten loan pre-approval. Today we operate as one of the most trustworthy private mortgage lenders in California, dedicated to providing the best possible solution for every client.

Our mission is to ensure that your loan closes smoothly, on time, and without surprises, so you never have to worry about loan approval. We strive to educate, inform, and update our clients about their mortgage at all times, including before, during, and after the closing process.

Are you ready to apply for a new loan? Reach out to CalSun Mortgage today! We operate across California in the counties of Los Angeles, Ventura, Orange, San Diego, and San Bernardino, among others.


Efficiency, Simplicity, and Friendly Professional Service are the pillars and core of our organization. We are committed to deliver what we promised.


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FAQ’s

Is it possible to get a ‘no cost’ refinance mortgage?

There are always charges associated with any mortgage transaction. However, there is a method to build a closing cost and interest rate situation that reduces the costs a borrower pays. Essentially, the costs of creating the new mortgage are either built into the loan amount or reimbursed by the lender in exchange for slightly higher refinance mortgage rates.

How long do I have to wait to refinance after a purchase transaction?

Borrowers generally wait 8 to 12 months, however, you should always check with your lender at the time of your original application to ensure that there are no short-term penalties for refinancing during the first year.

The cost of refinancing is another factor to consider. Many borrowers choose to wait for the best possible deal before refinancing their mortgage.

Can I only refinance if I drop 1% on my mortgage?

Refinancing is usually worthwhile if you can reduce your interest rate sufficiently to save money. Depending on your current loan, a rate reduction of 1%, 0.5%, or even 0.25% may be enough to warrant refinancing.

Do I have to refinance with my current mortgage company?

No, you can refinance your mortgage with whatever firm you want since the new loan will replace the old one.

Is it easier to refinance with my current mortgage company?

Your current company may be able to lessen the amount of documentation required, but this normally comes at a higher cost and interest rate. Always double-check to ensure you’re getting the best deal before working with a lender.

Can I automatically qualify for a refinance?

To qualify for a refinance mortgage you need to meet certain criteria and go through an application process. However, some programmes, such as the FHA to FHA Streamline, ask for lesser documentation than others.

Does refinancing loans hurt your credit?

Overall, due to the establishment of a new credit account, refinancing mortgages may result in a modest decline in your credit score. This can be restored if you consistently make on-time payments on your new loan.

Helped to over 3000 borrowers to purchase and refinance their dream homes.

To get a personalized quote, Phone 818-921-7053, Email: info@calsunmortgage.com or

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People Are Saying

Jenny Johnson
Jenny JohnsonWest Hills , CA Read More
I recently refinanced with CalSun Mortgage and they were amazing. The process was simple and straightforward. Their customer service was prompt and easy to understand, even for somebody who has never done this before. I’m so grateful that I found them because this saved me a ton of time, effort, and money!
Samantha Witkins
Samantha WitkinsValley Village, CA Read More
I’d like to say that CalSun Mortgage is the best refinance mortgage company I’ve ever come across. They have a very user-friendly interface which is a blessing for a first-time home buyer like me. I am going through the process of refinancing my mortgage and had almost no idea of what to do or how to go about it. With their help, I’ve been able to comprehend the process and am now successfully going through my mortgage refinance.
George Potter
George PotterCanoga Park, CA Read More
I’m not sure how I came across CalSun Mortgage, but it was the best decision I could have made. I was in a situation where my mortgage rates were about to skyrocket and a friend recommended them to me. They got me mortgage refinance rates that were going to save me money and be much more manageable in the long run.
Teresa Smith
Teresa SmithN. Hollywood, CA Read More
With the help of my mortgage broker, I was able to refinance my home without any hassle. I had the pleasure of working with CalSun Mortgage and I am very impressed with their professionalism and refinance mortgage rates.
Mathew Adams
Mathew AdamsRiverside, CA Read More
I had been trying to refinance my mortgage for months. I called a couple of companies and they were all just wasting my time. I thought it was hopeless until I found CalSun Mortgage. They helped me save a lot of money and the process only took a few days! I would recommend them to everyone!
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