Refinance · The Refi Guy
Refinance with The Refi Guy.
Rate-and-term, cash-out, HELOC, FHA streamline, VA IRRRL — Aaron runs the math with you before you commit to anything. If it doesn't help you, he'll tell you.
Hundreds of Placer & Sacramento homes refinanced since 2010
Straight math, fast closings, honest answers
See if a refinance makes sense.
Ways to refinance
Pick the path that fits your goal.
Rate-and-term
Change your rate or your timeline.
Cash-out
Turn equity into cash for a remodel, debt, or the next move.
HELOC
A line against your equity — draw what you need.
FHA streamline / VA IRRRL
Faster paths if you already have that loan.
Same way, every time.
Aaron has refinanced hundreds of Placer and Sacramento homes since 2010. He does it the same way every time: explain it, close it, pick up when you call.
Where we lend
Refinancing a home in one of these towns?
Whether a refinance pays for itself depends on what your county charges you to own the place — the tax rate, the Mello-Roos line, what insurance costs there now. Pick your town and start from those numbers:
Refinance questions, answered.
When the math works for your goal — a shorter timeline, cash for a project, or consolidating debt. Aaron runs your numbers with you before you commit to anything. If it does not help you, he will tell you.
Often a few weeks once your documents are in. Aaron keeps you updated at each milestone so you always know where things stand.
If you have equity, yes — a cash-out refinance or a HELOC. Aaron explains the trade-offs of each so you pick the one that fits.
Often yes — an FHA streamline or a VA IRRRL can be simpler. Aaron checks your eligibility on the call.
The honest answer is a five-minute call.
Thinking it through? Read the refinance & cash-out guides or head home.
Cali Concierge
Rates, programs, payments — ask me anything.
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