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Mortgage Refinance California
California Mortgage Refinance Options provide local homeowners with special incentives and unique loans offers for 1st 2nd mortgages with 90 to 100% refinancing for all types of credit. Nationwide is a licensed mortgage broker who operates its corporate headquarters in California promoting competitive interest rate offers for home refinance and second mortgage loans. We provide special incentives for reduced rate loans to CA residents who want the lowest interest rates in the state. Let our 2nd mortgage experience pay dividends to your online loan shopping. Get the best home equity loans with special state incentives for homeowners living in every town and city from San Diego to the Oregon border.
** Free Appraisal Offer for California Homeowners Refinancing ARM's ** |
We are extending special mortgage incentives for California homeowners. At this time, Nationwide is offering CA residents a Free Appraisal for borrowers who presently have an adjustable rate first mortgage and they refinance with a fixed rate mortgage from Nationwide Mortgage Loans.
Thousands of homeowners across the state have variable rate mortgages and option ARM loans that are scheduled to recast in 2008 and 2009. With the real estate market uncertain, the ability to secure a fixed interest rate becomes paramount. Take advantage of this limited time offer, and lock a fixed term for increased savings. ($595 value)
When borrowers close on their new fixed rate refinance, Nationwide Mortgage Loans will pay for their appraisal. Complete an application online and start the process of a fixed rate refinance that will secure your budget with a fixed monthly payment.
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California Mortgage Refinance Limits Rise for FHA
The Housing of Urban Development raised the maximum mortgage refinance limits for California as high as $729,750 and the update can be viewed below by county.
MSA Name |
County Name |
State |
One-Family |
Two-Family |
Three-Family |
Four-Family |
SAN DIEGO-CARLSBAD-SAN MARCOS, CA |
SAN DIEGO |
CA |
$697,500 |
$892,950 |
$1,079,350 |
$1,341,350 |
SALINAS , CA |
MONTEREY |
CA |
$729,750 |
$934,200 |
$1,129,250 |
$1,403,400 |
BISHOP, CA |
INYO |
CA |
$437,500 |
$560,050 |
$677,000 |
$841,350 |
SAN LUIS OBISPO-PASO ROBLES |
SAN LUIS OBISPO |
CA |
$687,500 |
$880,100 |
$1,063,850 |
$1,322,150 |
YUBA CITY |
YUBA |
CA |
$425,000 |
$544,050 |
$657,650 |
$817,300 |
UKIAH |
MENDOCINO |
CA |
$512,500 |
$656,100 |
$793,050 |
$985,600 |
SANTA BARBARA-SANTA MARIA |
SANTA BARBARA |
CA |
$729,750 |
$934,200 |
$1,129,250 |
$1,403,400 |
NAPA , CA |
NAPA |
CA |
$729,750 |
$934,200 |
$1,129,250 |
$1,403,400 |
RED BLUFF, CA |
TEHAMA |
CA |
$312,500 |
$400,050 |
$483,550 |
$600,950 |
VALLEJO-FAIRFIELD , CA |
SOLANO |
CA |
$557,500 |
$713,700 |
$862,700 |
$1,072,150 |
SANTA CRUZ-WATSONVILLE |
SANTA CRUZ |
CA |
$729,750 |
$934,200 |
$1,129,250 |
$1,403,400 |
CHICO , CA |
BUTTE |
CA |
$400,000 |
$512,050 |
$618,950 |
$769,250 |
FRESNO , CA |
FRESNO |
CA |
$381,250 |
$488,050 |
$589,950 |
$733,150 |
LOS ANGELES-LONG BEACH-GLENDALE |
LOS ANGELES |
CA |
$729,750 |
$934,200 |
$1,129,250 |
$1,403,400 |
SANTA ANA-ANAHEIM-IRVINE |
ORANGE |
CA |
$729,750 |
$934,200 |
$1,129,250 |
$1,403,400 |
MERCED |
MERCED |
CA |
$472,500 |
$604,900 |
$731,150 |
$908,650 |
PHOENIX LAKE-CEDAR RIDGE |
TUOLUMNE |
CA |
$437,500 |
$560,050 |
$677,000 |
$841,350 |
OAKLAND-FREMONT-HAYWARD |
ALAMEDA |
CA |
$729,750 |
$934,200 |
$1,129,250 |
$1,403,400 |
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, |
MARIN |
CA |
$729,750 |
$934,200 |
$1,129,250 |
$1,403,400 |
SAN FRANCISCO-SAN MATEO-REDWOOD CITY |
SAN MATEO |
CA |
$729,750 |
$934,200 |
$1,129,250 |
$1,403,400 |
SAN FRANCISCO-SAN MATEO-REDWOOD CITY |
SAN FRANCISCO |
CA |
$729,750 |
$934,200 |
$1,129,250 |
$1,403,400 |
REDDING |
SHASTA |
CA |
$423,750 |
$542,450 |
$655,700 |
$814,900 |
STOCKTON |
SAN JOAQUIN |
CA |
$488,750 |
$625,700 |
$756,300 |
$939,900 |
NON-METRO |
SIERRA |
CA |
$285,000 |
$364,850 |
$441,000 |
$548,050 |
NON-METRO |
MARIPOSA |
CA |
$412,500 |
$528,050 |
$638,300 |
$793,250 |
HANFORD-CORCORAN |
KINGS |
CA |
$325,000 |
$416,050 |
$502,900 |
$625,000 |
CLEARLAKE |
LAKE |
CA |
$401,250 |
$513,650 |
$620,900 |
$771,650 |
EUREKA-ARCATA-FORTUNA |
HUMBOLDT |
CA |
$393,750 |
$504,050 |
$609,300 |
$757,200 |
SACRAMENTO --ARDEN-ARCADE-- |
EL DORADO |
CA |
$580,000 |
$742,500 |
$897,500 |
$1,115,400 |
SACRAMENTO --ARDEN-ARCADE-- ROSEVILLE |
SACRAMENTO |
CA |
$580,000 |
$742,500 |
$897,500 |
$1,115,400 |
TRUCKEE-GRASS VALLEY |
NEVADA |
CA |
$562,500 |
$720,100 |
$870,450 |
$1,081,750 |
VISALIA-PORTERVILLE |
TULARE |
CA |
$325,000 |
$416,050 |
$502,900 |
$625,000 |
EL CENTRO |
IMPERIAL |
CA |
$325,000 |
$416,050 |
$502,900 |
$625,000 |
Nationwide Testimonial |
State of California |
"I needed cash and you were able to get it for us quickly! You taught me how to use our equity & consolidating our debts really gave us a second chance. Muchas Gracias."
M. Rodriquez - Homeowner San Diego California |
California Cash Out 2nd Mortgage Refinancing Increases!
| • |
2nd Home Purchase Loans |
| • |
Prime Home Equity Rates |
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California Home Loans to 100% |
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Second Mortgage Consolidation |
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Tax Deductible Home Refinancing |
| • |
Refinance adjustable rate debts |
| • |
Interest Only Lines of Credit |
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| Nationwide Mortgage Loans is pleased to extend our "No Point" offer for fixed rate 1st or 2nd mortgage refinance transactions for all loan amounts over $250,000 to California homeowners in 2007. Ask your local loan officer about loan special specifics. |
Tips From Local California Underwriting Pros: |
"Most underwriters are looking for debt to income ratios to be under 50%. Once you go over 50% either you don't qualify or you have to pay a premium on your rate." FHA Streamline Refinancing is a useful program that reduces the amount of documentation.
- J. Moran , California Mortgage Broker at Countrywide |
 CA Real Estate Info
California home prices will go up 10 percent in 2006. Appleton-Young predicted at the association's convention in San Diego.
At that rate, the median price of a California single-family home will hit $575,000 next year.
State Facts
California Homeownership rate 56.9%
www.commerce.gov/states/california.html
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