Lower Your Rate. Tap Your Equity. Restructure with Confidence.
Let’s be real: refinancing your mortgage isn’t just about chasing a lower rate—it’s about creating more financial freedom. Whether you want to lower your monthly payment, get cash out for a big project, or finally ditch that pesky mortgage insurance, Patrick “McCabe Mortgage” is here to help you do it smartly, strategically, and stress-free.
We work with homeowners all across Southern California, with a special focus on the Inland Empire, to turn “should I refinance?” into “I’m so glad I did.”
What Is a Mortgage Refinance?
Refinancing means replacing your current mortgage with a new one—ideally with better terms, better rates, or a new structure that supports your current financial goals.
Whether you bought your home 2 years ago or 20, there’s always a reason to check in on your loan and ask: Could I be doing better?
We help you answer that question—and take action when the timing’s right.
Reasons to Refinance
1. Lower Your Interest Rate
A lower rate = a lower monthly payment. Even a 0.5% drop can make a big difference over the life of your loan.
2. Get Cash Out
Use the equity you’ve built to fund renovations, pay down debt, start a business, or cover big life events. We’ll help you explore cash-out refinance options that make sense.
3. Remove Mortgage Insurance
If you bought your home with an FHA loan or put less than 20% down, you might still be paying PMI. A refi could help you eliminate it—saving you hundreds each month.
4. Adjust Your Loan Term
4. Adjust Your Loan Term
Shorten your term to pay your home off faster, or extend it to reduce your monthly burden. We’ll walk through the math with you.
5. Switch Loan Types
4. Adjust Your Loan Term
5. Switch Loan Types
Go from FHA to Conventional. Or ARM to fixed. Whatever your goals are, we’ll help you restructure for stability, savings, or both.
How the Refi Process Works
1. Initial Consultation
1. Initial Consultation
1. Initial Consultation
We look at your current loan, market rates, and equity. No pressure—just honest advice on whether it’s the right time to refinance.
2. Custom Loan Options
1. Initial Consultation
1. Initial Consultation
We shop around and compare programs, lenders, and terms to build a solution that aligns with your goals—short-term and long-term.
3. Application & Appraisal
We’ll guide you through paperwork, order your appraisal (if needed), and prep your file for underwriting.
4. Close & Celebrate
Once your loan is approved, we’ll lock in the new terms, close the deal, and help you move forward with more breathing room in your budget.
Why Refinance with Patrick “McCabe Mortgage”?
Because we’re not just here to run numbers—we’re here to help you win.
Here’s what makes us different:
- We’re Brokers: That means we shop dozens of lenders to find the best deal for you—not just what the bank wants to offer.
- Local + Personable: We live in the Inland Empire. We understand your market, your neighborhood, and your needs.
- We Actually Answer the Phone: No call centers. No bots. Just real people, real answers, real fast.
- No Guesswork, No Games: We’ll walk you through the numbers, help you calculate ROI, and make sure refinancing actually makes sense.
You’ve worked hard to build equity—now let’s make it work for you.
When NOT to Refinance
We’ll always be honest with you. If refinancing won’t benefit you in the long run—or if you’re moving soon and won’t recoup the closing costs—we’ll tell you upfront. Our job is to help you make smart, informed decisions.
Ready to Explore Your Refinance Options?
You’ve served our country. Now it’s our turn to serve you.
Let’s take a look at your current loan, your goals, and what’s possible. Whether you want to lock in a better rate, tap into your home’s equity, or finally shake off that PMI, Patrick “McCabe Mortgage” is here to help you refi with clarity, confidence, and a whole lot of heart.
Call us today or apply online to get started.
Let’s turn your mortgage into a better fit for your life—right here in the Inland Empire and beyond.
