Big Savings from Incredible Refinance Choices
Take Cash Out
Paying down your mortgage builds equity that can be used to take cash out for renovations or paying down high-interest debt.
Lower Your Payment
Getting a new mortgage with a lower monthly payment can help with goals like saving for college, retirement, or any of life's big events.
Shorten Loan Term
Become mortgage-free faster and reduce the interest you'll pay. We offer great terms starting where your last mortgage left off.
Endless Possibilities
Discover which loan program is the right fit for you.
Qualified Mortgages (QM-Loans)
QM loans have stricter lending standards. They focus on affordability and predictable terms. These programs are usually ideal for those with stable incomes and strong credit.
Non-Qualified Mortgages (Non-QM Loans)
Non-QM loans tend offer a solution for borrowers with non-traditional incomes. They can help self-employed individuals qualify for quality home financing.
Second Mortgages
Second Mortgages let home owners borrow against their home's equity for major expenses. These programs typically offer lower rates than unsecured loans. These loans are backed by the value of the borrowers property.
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What Our Clients Have to Say
We are committed to making sure every SRK CAPITAL loan is a 5-Star Experience
We are first time home buyers, and working with Kai was such a great experience! He made sure the process was as smooth as possible. He guided us through every step with clear communication and attention to detail. Kai was always prepared for the next steps, making us feel confident and well-supported throughout. We truly trust Kai, and we know anyone who works with him will be in good hands. Thank you, Kai and Sebastian, you are an amazing team!
Junyao F.
Sebastian and Kai are OUTSTANDING, a pleasure to work with! They went above and beyond to make buying our first home experience easy and straightforward. They are very knowledgeable and offer excellent service! They were on top of all communication and were quick to respond with any questions we had. They even answer outside of normal business hours. They are truly incredible and I would work with the team again! Highly recommend them!
Suzanne M.
The SRK Capital team is an absolute pleasure to do business with. My real estate partner Dylan and I had met Sebastian through the Newport Beach Chamber of Commerce. It was so great to finally work together for the first time. They were always very responsive, helped us with a short 17 day close of escrow, and exceeded all expectations! I highly recommend Sebastian and his team if you are looking for a stress free and fun mortgage broker!
Jules W.
Commonly Asked Questions
Got questions about mortgages? We've got answers! Check out our FAQs below.
The higher the chance you will make your mortgage payments, the better interest rate you'll get. What helps decide that? Here are some of the things that specifically are looked at.
- •Your credit score, because it shows how well you manage debt and pay your bills.
- •How much debt you have verses your income. A lender wants to make sure you sure your current budget can afford a home.
Mortgage rates are determined by multiple factors that fall into two categories.
- •Economic: Factors like the stock market, the Federal Reserve, inflation and the housing market all affect mortgage rates.
- •Personal: Your credit profile, how much debt you have compared to your income, and how much you're borrowing.
These are all examples of details about you that decide your mortgage rate.
Ready to Start Your Refinance Journey?
Let our experts help you discover the best refinancing options for your unique situation