John PastreUnbeatable Mortgage Broker

Refinancing

Refinance to a better payment, term, or cash out

Refinancing lets you adjust your mortgage terms, potentially lowering your monthly payment and saving on interest.

At a glance

  • ✓Access competitive wholesale rates for monthly savings
  • ✓Rate-and-term, cash-out, and investment property refinances
  • ✓Expert guidance from application through closing

Perfect for

  • Lowering your payment
  • Shortening your term
  • Cash-out for renovations
  • Debt consolidation
  • Removing mortgage insurance
  • Investment property cash-out

Why work with me

Wholesale rates

Brokers shop the same lenders you would — at wholesale pricing — so you get the lowest rate the market offers.

Flexible options

Tailored refinance plans that fit your goals, not a one-size-fits-all product.

Know the fees

I'll show you how lenders hide fees in the rate so you can compare offers honestly.

Fast appraisals

For investment property cash-outs, I work with lenders that move appraisals quickly.

Other loan programs

See what you qualify for

Get a personalized mortgage quote — no credit check — or start the full application. It takes about 30 minutes.