Refinance Options with Essex Mortgage

This process involves replacing your existing mortgage with a new one that has a higher balance, providing you with the difference in cash. Essex Mortgage provides conventional cash-out/no cash-out refinance loans as well as streamline refinance (no credit check, income check, or appraisal) options for FHA, VA, and USDA loans, catering to a wide range of borrowers.

Essex Mortgage offers cash-out refinance options, allowing homeowners to tap into their home equity for various financial needs.

Refinance options:

Cash-Out Refinancing

Turn Your Equity Into Opportunity

Access cash for renovations, debt consolidation, or investments

Available for FHA, VA, and Conventional loans

Competitive rates with local processing

Full bilingual support available

RATE & TERM REFINANCING

Lower Your Payment, Improve Your Terms

Reduce your interest rate

Switch from ARM to fixed-rate

Shorten your loan term

No cash out at closing

STREAMLINE REFINANCING

The Fastest Path to Better Terms

No credit check required

No income verification

No appraisal needed

Available for FHA, VA, and USDA loans

Open to all qualified borrowers, not just Essex clients

SECOND LIEN/ HELOC OPTIONS

Access Equity Without Touching Your First Mortgage

Keep your low first mortgage rate

Flexible access to funds

Available for all property types

Perfect for renovations or investments

Check out the Reviews for Essex Mortgage!

At Essex Mortgage, we don’t just hand you loan paperwork and wish you luck—we walk with you through every step of the process. From your first consultation to closing day (and even beyond), we make sure you feel informed, confident, and supported.

They are very professional and really help you navigate through your process whether it be the purchase of a new home or refinance. Thank you Essex Mortgage for all of your help over the years!!!

I had the best experience buying my first home and refinancing it through Essex Mortgage. Thank you all at Essex Mortgage for your continuous support throughout the process and making the transaction as smooth as possible!

Nancy M., California

Their family atmosphere makes you feel comfortable and secure that your best interests are at heart. I would highly recommend them to everyone looking to buy a home or refinance.

Christopher W., California

Chris T., California