Refinance A Home

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Refinance a Home

Ready To Refinance? We Are Here To help.

Refinancing your home loan doesn't have to be a process you dread. If you have been putting off saving money because you fear the long process of home refinancing, now is the time to work with a better lender.


At Sonoma Home Loans, we strive to make the process as simple and doable as possible. We love helping homeowners get locked into a better mortgage rate and seeing them obtain a loan that better fits their needs. You can work with a Sonoma County mortgage lender in our office or through our safe and secure online portal.

Our Process Puts You in Control.

It starts with your goals. Our personal approach to home loans allows us to truly understand what's best for you and your individual situation. Our convenient online process captures all of the information we need to make a loan recommendation that achieves your purchase or refinance goals.

1. Schedule Call

Funding your dream home starts with a simple phone call. Speak with a mortgage advisor today to discuss your goals and what the process looks like your individual situation.

2. Develop Plan

We will work with you to develop a plan designed around your unique situation to accomplish your home buying or refinance goals with ease.


3. Apply & Verify

With a plan in place, you can confidently apply for a loan using our intuitive online app. Our online application tool makes gathering all the required documents a breeze.

4. Fund Your Mortgage

When approved, our team will work diligently with the banks to fund your mortgage quickly so you can get into your dream home.

We’re Here To Walk You Through The Refinance Process.

As questions arise, our mortgage brokers will be ready to find your answers and advocate for your needs. We love to learn about our clients and their goals and that allows us to find the best possible solution for them. Our intuitive online application process turns the document gathering headache into a streamline and organized task. Let us walk you through the process one step at a time. Sonoma Home Loans is here to help.

beautiful family at home

A Simpler Way To Refinance A Home Mortgage.

Making your home loan work for you is what our job is all about. Refinancing is a chance to reset and refocus your goals as a homeowner. Let us simplify the process as we lower your payments, drop your interest and write loan terms that better suit your needs. Contact Sonoma Home Loans for a simple home refinance process that puts your mortgage in line with your financial goals. 

What Are Our Clients Say.

Refinancing FAQ

  • Should I refinance?

    There are various reasons homeowners choose to refinance through 101 Home Loans, like debt consolidation or lower monthly payments. In these cases, homeowners can save the additional cash or invest it back into their homes to make improvements. Determining if home refinancing is the best fit for you depends on your circumstances. First, check if your current interest rate is higher than current market rates. Second, determine if you want to lower your payment or lock in a fixed rate. Whatever your goals, talk to one of our mortgage brokers to learn if refinancing is your best option.

  • What are the costs associated with refinancing?

    Many homeowners fail to calculate the cost of home refinance when they only look at the long-term savings. While you may pay some money upfront, long-term savings can be life-changing. Think of refinancing costs as being similar to home closing fees. Expect expenses such as appraisal, lending fees, processing and underwriting. Any required third-party services will cost extra as well. These commonly include credit checks, title work, escrow, notary fees and recording costs. Don't forget that homeowners who have enough equity already in the home may be able to include the fees in the cost of the new monthly loan payment. 

  • How much equity do I need to refinance?

    As you move forward with home loan refinancing, we will determine if your home equity has gone up or down since the initial purchase of your home. If you have more money in your home than your home is worth in the current market, refinancing may not be the best route for you. Before deciding to refinance your home loan, talk with a Sonoma County mortgage broker from 101 Home Loans. We can help you determine if you have negative equity in your home and whether refinancing is the right choice for you.

  • How much can I save if I refinance?

    Refinancing your home loan can be a great option if you are a homeowner who is locked into a high-interest rate loan when current interest rates fall. Refinancing can save you thousands of dollars if the timing is right. Even if interest rates have only gone down half a percent from your current rate, you could save money in the long run by refinancing. Every situation is different and requires us to look closer to get exact dollar amounts. Let us calculate the numbers to give you a better idea of how much money you could save by refinancing.

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