Meena Gujral - Save Thousands in Commission
CA BRE # 00950378
San Ramon
Fremont, CA 94539
Phone: 925-425-9491 Mobile: 510-427-7992 Fax: (510) 279-9584 Email Meena Gujral -

Refinancing Your Home

Achievers Home Loans specializes in home loans in the Fremont area. It is a great time to refiance your home today and lock in historical low interest rates. We can help you lower your payments quickly and easily.


Reasons to refinance:

Are interest rates on the rise?

If you have an adjustable rate mortgage, you might want to look into switching to a fixed rate loan. By doing this, you will not have to worry about climbing interest rates in the future.

Lowering your monthly payment

Refinancing may give you a way to lower your monthly payment. In the instance where the rates are the same as when you obtained the mortgage, you can refinance to actually extend the term of the loan.

Has your credit rating improved?

It may be the case that when you first applied for your mortgage that your credit history was limited or maybe a little less than perfect. Your credit score was actually a huge factor in determining your interest rate at that time. If your credit rating has improved, you may be a fit for a better interest rate if you choose to refinance.

Home equity higher than 20%?

When you purchased your home, you may have put a down payment of less than 20%. In this case, the odds are that you would have had to pay Private Mortgage Insurance (PMI). However, if the price of your home has increased such that your equity now exceeds 20%, you can consider refinancing and have your lender cancel the PMI.

Have you started earning a higher income?

Believe it or not, refinancing isn't always about lowering your monthly payment. For example, you or your spouse may have recently started earning a higher income. You might want to put some of that extra income towards your mortgage. Converting your 30-year loan to a 15-year loan would allow you to pay off your loan much faster and save tens of thousands dollars in interest at the same time!


Refinancing is probably much easier than you probably thought.

The whole thing is actually a simple 3 step process.

1. Qualify for the new loan

2. Find the Right Program for Your Needs and Interest Rate

3. Escrow Closing


Call us today to learn more: 925-425-9491