Lower your Mortgage Rate with a Refinance
Cash-Out Your Home's Equity
Reasons to Refinance
Lower Rate & Payment
Save on your monthly mortgage payments and pay less in interest
Shorten Your Term
Pay your loan off sooner
Cash-Out
Replace your current mortgage with a bigger one. You keep the extra amount.
Pull Equity
Get a second mortgage without losing your current first mortgage rate.
Want to know when it makes sense to refinance?
A REFINANCE DOESN'T HAVE TO COST ANYTHING
How to Cover Closing Costs
Set an Alert when rates are low enough to save big.
SET REFI ALERTLOCAL KNOWLEDGE. PERSONAL GUIDANCE.
Mortgage Refinancing in San Luis Obispo County
Own a home in SLO County? Sean Mertens at Assist Home Loans helps local homeowners compare refinancing and home-equity options around their current mortgage, property and plans.
Serving San Luis Obispo, Morro Bay, Los Osos, Atascadero, Paso Robles, Arroyo Grande and communities throughout SLO County.
Could refinancing lower my payment?
Compare your current loan with a new rate and term, including closing costs and how long you plan to keep the loan. A longer term may lower payments while increasing total interest.
Can I access equity and keep my first mortgage?
A cash-out refinance replaces your current mortgage with a larger loan. A HELOC or fixed-rate second mortgage adds a separate loan while keeping your first mortgage in place. Sean can help you compare these options.
What should I have ready?
Your property address, mortgage balance, current rate and approximate home value help Sean review potential options for a primary home, second home or rental property.