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Refinancing a Home

Why refinance? It may make sense if you can lower your interest rate or if the value of your home has increased. Refinancing can be a helpful tool for home improvement, debt consolidation or simply lowering your monthly payment.

Reasons to refinance:

  • Switch from an adjustable rate loan to a fixed rate mortgage
  • Change from one adjustable rate loan to another to lower your monthly payment
  • Reduce your interest rate and your monthly payment
  • Build equity faster by shortening the term of your loan to 15 or 20 years

Refinancing is simple. Ready to get started?


Already have a Star One First Trust Deed and considering refinancing with another lender? Most loan types qualify for our easy loan modification program. A modification reduces your rate to our current offering for a fee typically lower than the cost of a refinance with a streamlined process and time line. Contact us at (408) 543-5202 or (866) 543-5202 to see if your loan is eligible. Please note that a hardship is not required to take advantage of this program. After we determine your eligibility, please complete our Real Estate Modification Form.

  • The Mortgage Process

    Whether you've refinanced before or not, we are sure your experience this time around will be easier, faster and altogether more clear.

    We've summarized our new process into simple steps. Follow these and you'll be closing your loan in no time!
  • Loan Consultant

    Not sure which loan is right for you? Our Loan Consultant walks you through all the important steps of determining which mortgage best fits your needs.
  • Calculators

    Fixed rate loan or variable? For how many years should we finance? Our wide range of calculators can help you answer these and many other questions before you start your application.

Mortgage Rates

The Loan Consultant feature determines the products and rates that match your needs.

Ready to Start?

To apply for your easy online loan, all you have to do is answer a few simple questions about yourself, your property and your income, debts and assets.