We have many home loan programs that offer up to 100% financing. While of course having good credit and equity in your home usually translates to better mortgage interest rates there are still options when equity is limited or credit is challenged. Every one of our mortgage consultants are licensed by the California Department of Real Estate, have a minimum of four years in the real estate industry and are trained to find the best possible solution for you. If your home lacks the equity needed to refinance, or refinancing is not the best option, we still may have a way to improve your current situation. Whether refinancing or helping educate the consumer about different avenues, we are here to advise. Our company has a great amount of experience in improving home loan rates and terms. Please take a moment to let us know about your current situation and one of our mortgage consultants will contact you as soon as possible.