Save More. Stress Less. Refinance Directly with the CEO.
California Mortgage Refinancing — Get the Rate & Cash Flow You Deserve
At California Mortgage Direct, refinancing isn’t just about getting a lower interest rate. It’s about unlocking equity, reducing monthly debt, and improving your financial future — and you’ll do it all with Joseph S. Restivo, the CEO of American Mortgage Network and your personal loan originator.
We offer refinance loans across all of California, including cash-out, rate-and-term, and debt consolidation options tailored to your specific goals.
🔎 What Is a Refinance Loan?
A refinance loan replaces your current mortgage with a new one — ideally with better terms, a lower rate, or access to cash from your home equity.
Common Reasons to Refinance in California:
- ✅ Lower your interest rate and monthly payment
- ✅ Consolidate high-interest credit card debt
- ✅ Remove PMI or FHA mortgage insurance
- ✅ Switch from an ARM to a fixed-rate loan
- ✅ Tap into equity for home upgrades or investments
- ✅ Remove a co-borrower or divorce-related name
- ✅ Pay off your mortgage faster with a shorter term
💸 Refinance Options We Offer
Refinance Type | Description |
---|---|
🔁 Rate & Term Refinance | Replace your current mortgage to get a better interest rate, monthly payment, or loan term — without taking out cash |
💰 Cash-Out Refinance | Borrow against your home equity to get cash at closing for debt payoff, home improvement, or investing |
🔧 FHA Streamline Refinance | Fast-track refinance for current FHA borrowers — no appraisal, no income check |
🎖 VA IRRRL (VA Streamline) | Lower your rate on a VA loan with minimal paperwork — ideal for eligible Veterans in California |
🔄 Conventional-to-Conventional Refi | Great for removing PMI or shortening your loan term |
🔁 FHA/VA to Conventional Refi | Eliminate government insurance and move to a conventional loan structure |
📍 Why Californians Trust Us to Refinance
Unlike large call center lenders, we operate with full transparency, no middle layers, and a CEO who personally works with homeowners to help them save big.
✅ Work directly with the President & CEO
✅ No junk fees or hidden costs
✅ Local expertise with national lending power
✅ Customized refinance strategies to fit your goals
✅ Licensed in all of California
📊 Example: Real Refinance Impact
Carlos D. in Los Angeles had over $150,000 in credit card debt and was paying $8,000/month in payments.
Joseph S. Restivo structured a cash-out refinance that:
- Paid off 100% of his debt
- Saved him $8,000/month
- Increased his home’s equity position
💬 “I went from panic mode to peace of mind — and I worked directly with the CEO the whole way.”
🔐 Is Now a Good Time to Refinance?
Refinancing isn’t just about rates — it’s about your total financial picture. Whether you want to pay off debt, upgrade your home, or lock in security before rates change again, a quick refinance consultation could save you tens of thousands.
Even in a higher-rate market, debt consolidation through refinancing can massively improve monthly cash flow.
🧠 Refinance FAQs
Q: Can I refinance even if I have low credit?
A: Yes — we offer FHA and Non-QM refinance programs built for credit-challenged homeowners.
Q: Can I refinance a VA loan?
A: Absolutely. Our VA IRRRL streamline program is quick, easy, and may not require an appraisal.
Q: Is there a penalty for refinancing?
A: Most California mortgages have no prepayment penalties. We’ll confirm yours during the loan review.
📍 Areas We Serve
We refinance homes in all 58 California counties, including:
- Los Angeles
- San Diego
- San Francisco
- Riverside
- Sacramento
- Orange County
- Ventura
- Inland Empire
- And everywhere in between
🧭 Work with the CEO. Get Results.
Joseph S. Restivo, NMLS #262845, is more than a loan officer — he’s the President & CEO of American Mortgage Network and your direct point of contact at California Mortgage Direct. That means no salespeople, no runaround, and real results.
“Every refinance client gets my personal attention — because restructuring your mortgage and personal finances is too important to leave to chance.”
— Joseph S. Restivo, CEO
✅ Ready to Refinance?
✅ Start My Refinance Now
✅ Schedule a Call with Joseph
✅ Free Equity Review & Loan Quote