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Refinance Your Mortgage and Unlock Your Equity — Fast.
Marcel Garcia at 818 Mortgage simplifies the process, secures better rates, and helps you put your home equity to work.
See How Much You Could Save
No SSN Or Credit Check Required
Your Credit Score:
NEEDS WORK
FAIR
GOOD
EXCELLENT
Why Homeowners
Are Refinancing Now
Want to invest in more real estate?
Use your home equity to grow your portfolio.
Planning a Renovation or Upgrade?
Tap into your home equity to cover expenses.
Have Revolving Debt?
Consolidate high-interest credit cards with a lower-rate loan.
Short on Time?
Our average refi closes in 14–21 days.
Why is working with Marcel Garcia different?
Local Expertise in California's Housing Market.
No Call Centers, Marcel and his team will manage your transaction from start to finish
We have some of the lowest rates in town via our vast network of over 100+ lenders. Save time by allowing us to vet the best loanhfor your needs.
Streamlined Process: we handle the heavy lifting.
FAQ
How fast can I refinance?
Most loans close in 2–6 weeks.
What if my credit isn’t perfect?
Yes — you can refinance your mortgage even if your credit score is less than perfect. Refinancing can still help you lower your monthly payments, consolidate debt, or switch from an adjustable to a fixed-rate loan — and you can always refinance again later when your credit improves.
Do I have to refinance my home loan with my current lender?
You do not have to refinance with the lender who holds your current mortgage, and working with a broker will save you time shopping rates because we do it for you.
What types of refinance loans are available?
1. Rate and Term Refinance – This is for borrowers who only want to change the loan term (length of the loan) and the interest rate.
2. Cash-out Refinance – In addition to a change to the rate and loan term, a cash-out will allow for an increase in the loan amount enabling the borrower to walk away with cash. Example: The original loan on the property was $350,000, but the borrower requests a loan amount of $375,000. The borrower receives a check for $25,000 at the closing of the new loan.
3. Cash-in Refinance – A loan option for homeowners who want to reduce their interest rate, change the loan term and pay down the existing loan.
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