🔥 Rates update daily — Serving all of California — 40+ lenders compared · Call or Text 888-703-1840
California Refinance Specialists · NMLS #377740

Reduce Your Mortgage
Payment Now —
Or We Pay You $500

Our team responds same-day with your best rate across 40+ lenders. No credit pull. No obligation.

📉
Lower Rates
Save $400–$700/mo
🏦
Bank Statement
Self-employed approved
💵
Cash Out
Access home equity
📄
No-Income Loans
Asset-based qualifying
🔒
Rate Lock
From 5.99%
📊
DSCR Loans
Investors — no W-2s
⭐⭐⭐⭐⭐ 4.9/5 Google
👥 5,000+ CA homeowners
🏦 40+ lenders compared
⚡ 30-day close
✅ Check My Rate — It's Free
No credit pull · No obligation · Same-day response
1
Balance
2
Goal
3
Results

What is your current mortgage balance?

No credit pull — completely anonymous to start

No account needed
Takes 90 seconds
$500 guarantee
No credit pull
Same-day response
🎉

You're In!

Our experienced team is reviewing your request and will respond same-day with your rate options. For immediate help:

📞 Call or Text 888-703-1840
⭐
4.9/5.0 Stars Google · Yelp · Zillow
👥
5,000+ homeowners helped
🏦
40+ Lenders shopped for you
📍
All of California licensed statewide
"Saved $620/month. Closed in 18 days. Wish I had called sooner." — Shannon L., San Diego
⚖️ Save Financial, Inc. · NMLS #377740 · DRE #01875766 · Equal Housing Lender · Licensed Statewide in California
Disclaimer· Privacy Policy· Terms of Use· $500 Guarantee T&C
📉
Rates Are Falling — Lock Yours Now
Every month you wait is money you don't get back. We find your lowest rate across 40+ lenders in one call.
Avg save $487/mo
💼
Self-Employed? Your Bank Said No — We Say Yes
12 or 24-month bank statements instead of tax returns. Your write-offs shouldn't cost you a lower rate.
No tax returns
💵
Debt Consolidation or Cash Out
Access the equity you've built for renovations, debt payoff, or investments — at a rate we guarantee to beat.
Equity access
🏆
We Beat Any Written Offer — Or Pay You $500
Show us any rate & fee offer from any lender. We beat their interest rate, fees, and mortgage insurance in writing.
Written guarantee
Find Your Situation

A Program for Every Borrower

🏠
For Homeowners

Lower Your Monthly Payment

If you haven't reviewed your rate in 2+ years, you're almost certainly overpaying.

  • W-2 & stated income options
  • No out-of-pocket cost options
  • Average saving: $400–$700/month
  • Close in as fast as 30 days
Lower My Payment →
💼
Self-Employed

Self-Employed or Business Owner

Your tax write-offs shouldn't stop you from getting the rate you deserve.

  • 12 or 24-month bank statements
  • No tax returns required
  • 1099 & contractor programs
  • Up to $30M loan size
I'm Self-Employed →
🏘️
Real Estate Investors

DSCR — Qualify on Rental Income

No W-2s, no tax returns. The property's cash flow qualifies the loan.

  • No W-2s or tax returns
  • LLC & trust vesting allowed
  • AirBnB income accepted
  • Unlimited property count
DSCR Loan Quote →
💰 Saving $620/month

"I had no idea I was leaving $620 on the table every single month. The team found me a rate my own bank couldn't touch, explained every step, and we closed in 18 days. I wish I had done this 2 years ago."

Shannon L.
San Diego, CA · $500K loan · Closed in 18 days
⭐
4.9 / 5.0 Stars
847+ verified reviews
🏦
FHA · VA · Conventional · Jumbo
All programs, all loan sizes
🔒
NMLS #377740 · DRE #01875766
Licensed statewide in California
👥
45+ Years Combined Experience
$2B+ in loans funded
$500
Guaranteed

Got a Rate Offer?
We'll Beat It or Pay You $500

Show us any written rate & fee offer from any bank, credit union, or lender. We guarantee to beat their interest rate, lender fees, and mortgage insurance — in writing, before you commit.

If we can't beat it, you get a $500 check. Full terms & conditions →

1

Submit the form above

2

Share your written rate & fee offer

3

We beat it — or you get $500

✅ Check My Rate — Free
Savings Estimator

See How Much
You Could Save

Move the sliders to match your loan. Then submit the form — our team confirms your actual rate with no credit pull.

"Saved $490/month. The team found a rate my bank said wasn't possible. Closed on time, no surprises."

— Nara K., San Clemente · $480K Loan
Monthly Savings Estimator
Current Loan Balance$450,000
Your Current Rate7.25%
Potential New Rate6.25%
Estimated Monthly Savings
$487/mo
= $5,844 estimated per year
Get My Actual Rate — Free →

Estimates only. Actual savings depend on your credit, loan type, and the rate our team secures across 40+ lenders.

Real Client Results

Real Savings.
Real People.

⭐ 4.9 Google
⭐ 4.9 Yelp
⭐ 4.9 Zillow
★★★★★
💰 Saving $620/month

"I had no idea I was leaving $620 on the table. The team called back the same day and we closed in 18 days. Wish I had done this 2 years ago."

Shannon L.
San Diego, CA · $500K loan · 18-day close
★★★★★
💼 Self-Employed — Approved

"Every bank turned me down because of my write-offs. Save Financial used my bank statements and got me approved at a rate I didn't think was possible."

David M.
Los Angeles, CA · Bank Statement Loan
★★★★★
🏆 Beat Bank Rate by 0.75%

"I took my Chase offer thinking nobody could beat it. They beat the rate by 0.75% AND cut my closing costs. Saving $480/month now."

Jennifer & Mark S.
Newport Beach, CA · Beat Competitor Rate
⚡ Act Now
📅 Rates update daily
📍 All of California
🏦 Limited lender programs
⏱️ Same-day response
Check My Rate →
Simple 3-Step Process

From Form to First Lower Payment

1
Today

Answer 3 Quick Questions

Tell us your balance, goal, and where to send results. No credit pull. No SSN. Zero commitment.

2
Same Day

Our Team Calls You

We shop 40+ lenders and present your best rate and exact monthly savings — in writing.

3
Within 30 Days

Close & Save

We handle everything. Most clients see their first lower payment within 45 days of submitting.

Common Questions

Quick Answers

Do I need perfect credit to qualify?
+
No. We have programs for credit scores starting at 580. Bank statement, DSCR, and asset-based programs often have more flexible requirements. Our team will tell you honestly what you qualify for — even if the answer is "not yet."
Does checking my rate affect my credit score?
+
Zero impact to start. The initial consultation and rate quote require no credit pull at all. A hard inquiry only happens when you formally apply and choose to move forward. That decision is always yours.
What if I'm self-employed with low reported income?
+
Our specialty. We use 12 or 24 months of bank statements to show actual cash flow — not what your CPA reported after write-offs. We also have no-income and asset-based programs where income doesn't factor in at all.
How does the $500 guarantee work?
+
Bring us any written rate or fee offer from any licensed lender. We guarantee to beat their combination of interest rate, lender fees, and monthly mortgage insurance — in writing, before you commit. If we can't, we write you a $500 check. Full terms here.
How fast can you close a refinance?
+
Our typical refinance close is 30 days — significantly faster than the 45–60 day average at most banks. Speed comes from eliminating income documentation bottlenecks and our direct lender relationships statewide.
Mike Basti – Save Financial

Mike Basti

Senior Advisor · Save Financial, Inc. · NMLS #377740

With 45+ years of combined team experience and 40+ top lenders, our mission is simple: find you the lowest rate available anywhere in California — backed by a written $500 guarantee. Over 5,000 homeowners statewide have trusted Save Financial to deliver.

$2B+
Loans funded
5,000+
Clients helped
40+
Lenders in network
45+ yrs
Combined experience
NMLS #377740 DRE #01875766 CA Licensed Statewide 4.9★ Rated Newport Beach Marina del Rey

Every Month You Wait
Costs You Real Money

Homeowners across California are saving $400–$700/month. No credit pull. No obligation. Our team responds the same day.

📞 888-703-1840
Call or Text this number — 24/7. Save it to your phone now.
✅ Check My Rate — Free
No credit pull · No cost · No commitment · NMLS #377740 · DRE #01875766 · Equal Housing Lender · Licensed statewide in California
Disclaimer · Privacy Policy · Terms of Use · $500 Guarantee T&C
Lower Payment or $500 Back Call or Text: 888-703-1840
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