Is your current mortgage no longer offering you the lowest rates? Do you have a hard time making ends meet each month? Do you wish you could pay off your loan later or sooner?

If so, it may be time to refinance your home loan in the Bay Area.

Benefits of a Walnut Creek Refinance

The benefits of refinancing depend on your situation and what you are trying to achieve. Here are some of the potential advantages:

You may be able to reduce the interest rate that you are paying on your mortgage, resulting in ongoing savings.

If you have a fixed rate mortgage which is no longer working for you, you may be able to convert it into an adjustable rate mortgage instead.

You also have the option of converting an adjustable rate to a fixed rate if that would work better for you.

If you need more time to pay off your loan, you can refinance to a lengthier term.

If you want to pay your loan off early without a penalty, you can convert it into one with a shorter term.

This is also your chance to revisit other terms of your loan and renegotiate with your new bargaining power.

When your home loan is better suiting your needs, you have less stress and inconvenience in your life. These are replaced by ease and peace-of-mind.

When Should You Think About Getting a Refinance
in the Bay Area?

While refinancing can save you money, it does carry costs of its own. To figure out if refinancing will be worthwhile, you need to consider your financial situation and whether the timing is right.

Following are some situations where a refinance could be in order:

If mortgage rates have decreased since you took out yours, you can refinance and potentially replace those higher rates with today’s lower ones.

If you have recently decided to move out of your home sooner than you had expected when you first took out your loan, you might consider refinancing to an adjustable rate mortgage to save money in the meantime.

If you are making more money than you did when you first took out your mortgage—or if you are making less— it may be time to adjust your mortgage term.

If you have decided to stay in the home for a longer time period, refinancing to adjust your loan term or switch to a fixed rate could make sense.

If your risk profile is more competitive than it was originally, you might also qualify for a mortgage with more competitive rates and terms.

What Our Clients Are Saying

Sabrina Costa
Sabrina Costa
02:19 09 Oct 19
I can't even begin to explain how thankful I am to Mike Trejo and his team at Bridgepoint Funding. They were extremely patient with me. The whole experience had me leaving feeling so much better than when I came. From beginning to end, I know they had my best interests in mind and helped in so many ways. I for sure will be coming back when/if I ever need another home loan. I've highly recommended them to everyone I more
Chenoa T
Chenoa T
14:46 07 Sep 19
Mike Trejo was recommended by my real estate agent to broker the loan for my new home. Mike, Alex, and Maily are a dream team. They made a somewhat difficult and lengthy process (I had some extenuating circumstances that made my escrow 60 days instead of the more standard 30 days) and they were so patient and professional throughout. They answered all my questions and made sure to follow up and check in on a timely and consistent basis with me, the lender, and even the sellers of the home I was purchasing. I really feel they went above and beyond what the standard broker firm would do. I am so grateful for their support and guidance through the process. If you’re looking for a broker you can trust and that will fight for you and help make your dreams come true, look no further than Mike and his wonderful team at BridgePoint!read more
Evan Doherty
Evan Doherty
15:35 26 Aug 19
We've used Bridgepoint four different times -- two new mortgages & two re-fi's -- and they've been amazing for every single one! They're timely, detailed and super friendly. The entire crew is very helpful and will answer any question you have - they make the entire process incredibly easy. Highly, highly recommend!read more
Phillip Lavios
Phillip Lavios
00:01 13 Jun 19
Mike Alex, and Mailly are the best to deal with when refinancing your home, they made the process seamless, and cery painless! They were very patient with me, and I highly recommend them to refinance your home!read more
06:23 25 Apr 19
Mike is a lifesaver! After I found my dream house, I was working with another lender who was bringing new problems every day and delaying the process and keep promising. After 6 weeks time waste they said they cannot do my loan. That's when Mike came in like an angel and saved us. In less than 2 weeks he closed the deal and asking almost no additional documents. Very smooth process. It was a hard lesson for me that its very important to work with the right people, especially if you making one of the most important financial decisions of your life. And Mike and his team are definitely are the best people for it!read more
Eyebrow Plus, Inc.
Eyebrow Plus, Inc.
21:55 17 Jan 19
We had a great experience with Bridgepoint Funding. The loan process was smooth and faster than we expected. The Bridgepoint team is strong and well-coordinated.Thank you Alex, Mike and Maily for your much needed help!F. Aread more
Stephen Jotten
Stephen Jotten
23:50 29 Dec 18
This was the most smooth loan process my wife and I were able to have. Mike and his staff made sure we did not lose our first house. It was a seamless process.
Armando Troche
Armando Troche
08:51 23 Nov 18
Bridgepoint Funding was effective, reliable, and efficient. We switched from a different lender to find a better interest rate. Mike and his team worked quickly to gather our documents, secure the best interest rate, and get our loan squared away. Now we're living it up in our new home!read more
KelliCardenas PS video
KelliCardenas PS video
14:21 29 Mar 18
I have been working with Mike, Kim, and Alex for a lot of years and all of them go that extra mile when it comes to professionalism and customer service. I have worked with many different lenders over the years, but Bridgepoint Funding is the best by far! They do not discriminate against anyone, no matter what! They treat every client with respect and fairness. I know from experience that if your loan process hits a bump in the road, Mike and his staff always remain calm and the end results are a closed loan and a happy client. I would highly recommend the Bridgepoint funding staff for any lending more
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Apply Now to Refinance Your Home Loan

If you believe that now may be the right time to refinance, please give us a call at (925) 478-8630. We will schedule a consultation to discuss your needs and help you figure out how much you could potentially save if you refinance today. We can then walk you through the steps to make it happen. Soon, you could be saving money on your home loan while enjoying greater convenience and peace of mind.

While we are based in Walnut Creek CA, we serve customers in the San Francisco Bay Area. This includes Martinez, Concord, Pleasant Hill, Alamo, Danville, San Ramon, Orinda, Moraga, Lafayette and throughout California.

Get Pre-Approved Today!