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Refinance Loans


Refinancing your home, second home or investment property may allow you to lower your rate or monthly payments.  You also have the opportunity to convert an adjustable rate to a fixed rate.  Give us a few minutes and a phone call and we’ll provide you with a free mortgage analysis to see if we can save you money.  Our low rates and simple approval process make refinancing your home easy.


Loan Saver 

Loan Saver, our online calculator, can determine if you can save money on your existing loans by refinancing with us.  It's free, simple and you can calculate potential savings in just minutes.


Interest paid on mortgage loans may be 100% tax deductible for most California homeowners. Please consult your tax advisor for details.


For information about buying a home, visit our Buying a Home page.


 We have two ways to refinance your home:

Traditional First Mortgage Refinance

PrimeLine First

The chart below can help you decide which option is best for you.

Traditional Mortgage Loans

PrimeLine First


Apply Online Now

Apply Online Now

Rates Current Rates
Fixed or variable-rate options
Current Rates
Variable rate line of credit;
Prime rate minus 0.75% APR
Points, Fees, Closing Costs No point options or use points to “buy down” your rate No points, no fees, no closing costs for loans up to $250,000
Terms Flexible terms Pay interest only for up to 10 years, followed by 15 years of fully amortized payments

 Loan to Value
Varies Borrow up to 80% of the first $500,000 and 50% on the remaining appraised home value to a maximum of $625,500

Balance Details
Varies Funds become available as you pay down the balance
Loan Documents Traditional Processing
Loan documents mailed within days
Funds Access No Access your funds with free checks or through BranchLine


Apply online or by phone at (888) 858-6878 for an instant loan decision.  After approval, loan documents will be mailed within days.  Use our online loan calculator to help determine your monthly payment.


Complete rate details and representative examples - traditional mortgages or line of credit.

Federally insured by NCUA
Equal Housing Lender
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