START A HOME LOAN APPLICATION WITH LUIS CARRANZA

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Service Promise

Believing that communication is a cornerstone of smart financial planning, Luis offers his clients an Anytime Access Guarantee. Borrowers can reach Luis any day of the week and set evening appointments when it better fits their schedule. In addition to being just a phone call away, Luis encourages clients to meet with him in person. The Anytime Access Guarantee is Luis’ way of reminding clients that he is always there for them and committed to providing personal service through out the entire loan process.

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    • Bank Statement Loans
    • Jumbo Loans
    • Conventional Conforming & High Balance Loans
    • FHA & VA Loans
    • Foreign National Loans

    • California Housing Finance Agency (“CalHFA”)
    • Standard Documentation Loans
    • Renovation Loans
    • Construction Loans
    • Lot Loans

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STANDING OUT

As a Leader in Lending

Our outstanding service, streamlined process and experienced loan officers have helped to earn us respect as a leading mortgage lender. While the recognition is great, we’re even prouder knowing that our customers are the real winners.

DISCLAIMERS:
1As reported by Marketrac, powered by CoreLogic® for purchase units nationally for 2012-2016.
2Ranked by Mortgage Executive Magazine for 2016.
3Ranked the Scotsman Guide for retail volume and overall volume in 2016.
4Named by Mortgage Bankers Association.

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Refinance

Refinancing is the process of obtaining a new mortgage in an effort to reduce monthly payments, lower your interest rates, take cash out of your home, or change mortgage companies. 

 

When you refinance, you pay off your existing mortgage and create a new one. You may even decide to combine both a primary mortgage and a second mortgage into a new loan.

 

Determining your eligibility for refinancing is similar to the approval process that you went through with your first mortgage. Your lender will consider your income and assets, credit score, other debts, the current value of the property, and the amount you want to borrow.

Loans
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2018

4.54%

2017

3.99%

2016

3.92%

2015

3.83%

2014

4.17%

2013

3.98%

2012

3.66%

2011

4.45%

2010

4.69%

2009

5.04%

2008

6.03%

2007

6.34%

2006

6.41%

2005

5.84%

2004

5.87%

2003

5.83%

2002

6.54%

2001

6.97%

2000

8.05%

1999

7.44%

1998

6.94%

1997

7.6%

1996

7.81%

1995

7.93%

2016

3.92%

2015

3.83%

2014

4.17%

2013

3.98%

2012

3.66%

2011

4.45%

2010

4.69%

2009

5.04%

2008

6.03%

2007

6.34%

2006

6.41%

2005

5.84%

Rate Quote

Mortgage Rates change often and vary from person to person. Fill out this quick form for a custom rate quote.

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