Mortgage Refinance California
Lenders for Low Rate Refinancing from San Diego to San Francisco

Nationwide Lenders in California 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 lending experience pay dividends to your online loan shopping. Get the best refinance rates with special state incentives for homeowners living in every town and city from San Diego to the Oregon border.

Even if you have a mortgage that is greater than your home's value, we are HARP lenders that can offer a low interest refinance without factoring in the "loan to value" to your approval like traditional refinancing requires. The latest Federal relief program is called the "Home Affordable Refinance" and borrowers who meet the requirements can refinance regardless of how underwater their mortgage may be.

Our California Lenders Announced Discounted Refinance Rates Online


** 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 BD Nationwide.

Thousands of homeowners across the state have variable rate mortgages and option ARM loans that are scheduled to recast in 2012 and 2013. 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. ($695 value)

When borrowers close on their new fixed rate refinance, Nationwide lenders 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.

California Mortgage Limits with FHA Create New Refinance Opportunities

The Housing of Urban Development raised the maximum mortgage 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. I was able to lower my credit card payment and get additional money out for making some needed home repairs. Muchas Gracias."

M. Rodriquez - Homeowner San Diego California


California Mortgage Refinancing Activity Increases in 2012!

2nd Home Purchase Loans

Prime Home Equity Rates

California Home Loans to 100%

Second Mortgage Consolidation

Tax Deductible Home Refinancing

Refinance adjustable rate debts
Interest Only Lines of Credit
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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Additional Helpful Loan Pages:
Stated Income Mortgage | Home Mortgage Refinance | Discount Home Equity Loans | Bad Credit Refinance |
State Guide Second Mortgages | Home Affordable Refinance Program | HARP Lenders | Refinance Options for Homeowners in the US
More Mortgage Options with California Lending:
Southern California Jumbo Mortgage | FHA Home Refinance Loans in California | Mortgage Rates in California
Apply Now | Disclosures and Terms | Rate Assumptions | Refinance | About Us | Testimonials
BD Nationwide Mortgage, 515 Encinitas Blvd. Ste 100, Encinitas, California 92024
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