Lower Your Payment

Low Mortgage Rates Make Lowering Your Payment Easier Than Ever

• Why pay more than you have to? Refinance to lower your monthly payments. If rates fall in the next 3 years, we will redo your loan and waive our processing fees. 
• Even changing the terms of your mortgage can maximize your monthly expenditures.
• Check out our Refinance Calculator to see how a new rate and term could lower your monthly mortgage payment. 

Every day, we help California homeowners lower their monthly mortgage payment by refinancing. Contact us today and we’ll help you, too.

Why You Should Choose Billcutter

• You’ll get a completely online application process with less paperwork, and you can track the status of your mortgage application.
• Our Loan Officer are available to answer your questions and help you understand the details so you get the right mortgage for you.
• We offer competitive low rates and closing costs. 
• We offer a $1,000 Best Price Guarantee.

Popular Loan Options for Lowering Your Mortgage Payment*

• FHA Loan – Refinance out of a skyrocketing mortgage payment with the fixed-rate security of a government-insured FHA loan. Find out if you could refinance without an appraisal with a FHA Streamline loan.
• FHA Streamline Refinance - Lower your existing FHA monthly mortgage payment with a no cost refinance. There is no appraisal required with minimal credit requirements. 
• 30-Year Loan – Looking for a more traditional loan option? Lock in today with a Conventional 30-year fixed.
• Adjustable Rate Mortgage – Get the lowest rate available with a 5- or 7- year ARM and potentially pay thousands less over a traditional fixed rate mortgage for the first 5 or 7 years of your loan.
• VA Loan – Get a low rate and payment with the VA loan if you’re a qualified veteran, military member, or spouse. Ask us if you are eligible for the great benefits of a VA loan!
• VA IRRRL - Lower your existing VA monthly mortgage payment with a streamlined VA refinance process.