Refinance Options
Compare refinancing approaches designed to improve your interest rate, adjust your mortgage term, or access cash when your equity and financial profile support it.
Refinancing can help California homeowners pursue a lower rate, adjust their loan term, or access eligible home equity. Excel Mortgage Services provides clear, personalized guidance from initial comparisons through closing, helping you weigh costs, timing, credit, and long-term goals. Whether your property is on the Central Coast or elsewhere in California, you will have support in choosing a loan path that fits your situation.
Explore refinance and equity-based financing options tailored to your financial goals and mortgage eligibility.
Compare refinancing approaches designed to improve your interest rate, adjust your mortgage term, or access cash when your equity and financial profile support it.
Explore whether mortgage financing or available home equity could combine qualifying debts into one loan structure with a clearer repayment plan.
Access guidance on home equity loan options, qualification factors, and the application process when you want to use eligible equity for financial needs.
A refinance should support a meaningful financial goal, not simply offer a different rate. Excel Mortgage Services helps California homeowners compare available programs, estimated closing costs, points, rate-lock considerations, and potential break-even timing. You receive guidance tailored to your credit, income, property value, and plans for the home, so you can evaluate the trade-offs before moving forward with an application.
See how informed, personalized mortgage support helps borrowers move forward with confidence.
Honest guidance and attentive support for important home-financing decisions.
Loan options are matched to your goals, eligibility, and financial circumstances rather than a one-size-fits-all approach.
Receive understandable support through application, processing, underwriting, approval, and closing for your California refinance.
Get help identifying documentation, credit, appraisal, and financing issues that may affect loan progress.
Specialized guidance in refinancing, purchases, reverse mortgages, and equity-related solutions for California homeowners.
Personal mortgage guidance from a dedicated loan professional.
Mortgage Loan Officer
Chris Bonnema is a dedicated Mortgage Loan Officer at Excel Mortgage Services, operating out of Templeton, California with an additional office in Georgetown, Texas. With a focus on honesty, integrity, and competence, Chris specializes in reverse mortgages, home refinancing, and home purchases, guiding clients through every step of the financing process. He serves homeowners and homebuyers across California, Arizona, Texas, Oregon, and Florida, providing personalized mortgage solutions tailored to each client's unique needs. Chris is committed to helping borrowers secure the lowest possible interest rates and closing costs while overcoming any roadblocks that may arise. Whether working with first-time homebuyers or homeowners exploring retirement income through home equity, Chris delivers clear, informed, and client-focused guidance throughout the entire loan process.
The 2% rule is a common rule of thumb suggesting that refinancing may be worth considering when the new interest rate is about two percentage points lower than your current rate. It is not a requirement or a complete decision tool. Your loan balance, closing costs, remaining term, cash-out goal, and expected time in the home are often more important than the rate difference alone.
Speak with a mortgage professional about your goals and available options.
Personalized support throughout the mortgage process.
Built around honesty, integrity, and competence.
Clear assistance from application through closing.
Share your refinance goals, and we will help you understand the next steps and available loan options.
For immediate assistance, feel free to give us a direct call at (805) 975-8584. You can also send us a quick email at chris@myreloans.com.
For immediate assistance, feel free to give us a direct call at (805) 975-8584. You can also send us a quick email at chris@myreloans.com.