Lower your mortgage rate.
Or we pay you $500.

Bring us any written loan estimate from a licensed lender. If Save Financial cannot beat it on interest rate OR on total lender fees, we’ll pay you $500 — no strings attached. The comparison is always free and there’s no obligation to close with us. Full terms at iloanca.com/price-guarantee-terms-and-conditions.

No. The initial rate check is a soft pull only — zero impact on your credit score. A hard inquiry only happens if you decide to move forward with a full application, which you always control.

We work with borrowers across a wide range. Conventional loans typically require 620+. FHA loans start at 580. The best rates go to those with 720+. We’ll tell you exactly where you stand in your first call.

Our typical closing time is 21 days or less. Mike has closed refinances ahead of schedule in as few as 15 days for straightforward files. We’ll give you a realistic timeline upfront based on your specific situation.

Yes, refinancing typically involves closing costs of 2–4% of the loan amount. We’ll show you the break-even point — how many months until your savings exceed the cost. Many clients recoup costs in 12–18 months.

As little as 3.5% with an FHA loan, or 3% with some conventional programs. We’ll find the right product for your situation. Down payment assistance programs may also be available in your state.

Save Financial is licensed in California, with offices in Newport Beach and Marina del Rey. We serve clients throughout the entire state of California, from Los Angeles to San Diego, the Bay Area, and beyond.

Fill out the short form on this page or call/text us at (888) 703-1840 — we’re available 24/7. You can also email mike.basti@iloanca.com. A loan officer will reach out quickly to walk through your options with no pressure and no commitment.