skip to Main Content

Ready to pay less in interest on your mortgage and lower your monthly payments? A mortgage refinance in Santa Cruz may be the right step for you.

Santa Cruz Refinance


A mortgage refinance is the replacement of an existing mortgage with another mortgage under different terms. Mortgage refinancing can lower your monthly payments, which can add up to significant savings.

Knowing your current refinance mortgage rates is important. All Cal Financial can keep you informed and help decide when a refinance may be best.


Reasons to consider a mortgage refinance in Santa Cruz:

  • Reduce your monthly mortgage payment: Mortgage rates are still very low. A refinance with All Cal Financial may help you lower payment and possibly save you money.
  • Consolidate high interest debt: You could pay off those higher-interest debts by refinancing with a lower rate. Even with less-than-perfect credit, we can help you lower your monthly payment and pay off your higher-interest debt. By consolidating your payments into one low monthly payment, you can pay less each month, lower your debt, and improve your credit score.
  • Pay Off Your Mortgage Faster: The shorter the term on your mortgage, the lower your mortgage rate. Did you know that you may be able to take advantage of today’s competitive rates by shortening the term of your loan (which means paying less interest) without a significant change in your monthly payment?

When to Refinance Your Mortgage?

We offer information on a variety of mortgage refinancing rates and options. When you are ready to take the next step, contact All Cal Financial. We can advise you on which mortgage refinancing program meets your needs.


Have additional mortgage refinance questions? Give us a call! One of our mortgage specialists would be happy to answer all of your questions.

Back To Top