Refinancing your loan is a major decision.

Some times it makes sense, and some times it does not. Most of our competitors will refinance your loan regardless. We will not. Believe it or not, we probably talk clients out of a refinance several times a year.

We will examine this decision from several perspectives. The first is short term; costs and return on investment made in the loan. The second is the cash flow perspective; liveability, debt burden and management. The third is a long-term perspective; tax consequences, total cost of the loan. We have been known to involve financial advisors in complex situations, at no charge to the client, when a critical decision needs to be made. In general, we will not allow you to get a loan that is not appropriate for your situation.

We have great rates and reasonable fees. While no lender can offer you the best rate, we can promise you that the total value of our services, when everything is considered, is second to none.

Steps to refinance your home or commercial loan:

1) Call us at  650-631-1800 , or apply on line, or send us an email.

2) Describe your situation, and we can review feasibility. We will provide an analysis of your situation to examine the costs and benefits of various options.

3) We can take your application over the phone; this is faster and easier for you.

4) We will provide you with a list of supporting documents needed (W2's, pay stubs, bank statements, etc.)

5) Your loan file will be submitted to the lender of choice

6) Your loan file will be approved; and final conditions satisfied

7) Your loan will fund and record.

Once we are finished, we continue to be available on an "as-needed" basis for whatever questions or issues you may have down the road.