Keep your home.
Unlock your equity.
Refinance, HELOC, or 2nd mortgage — reviewed alongside your real estate strategy so you know exactly which path makes the most sense.
Purchase Financing
Buyers purchasing a home
Conventional, FHA, VA, jumbo, and first-time buyer programs. We match you to the right loan product for your down payment, credit profile, and property type — with a clear path to close.
→ Competitive rates across all purchase programs
Rate & Term Refinance
Owners with high-rate mortgages
Lower your monthly payment or shorten your loan term. We review current market rates against your existing loan to determine if refinancing makes financial sense for your situation.
→ Reduce monthly costs or pay off faster
Cash-Out Refinance
Owners needing access to equity
Replace your existing mortgage with a larger loan and receive the difference in cash. Useful for home improvements, debt consolidation, or major expenses — when the math supports it.
→ Access equity without selling
HELOC
Owners wanting flexible access to equity
A Home Equity Line of Credit works like a revolving line — draw funds as needed, pay interest only on what you use. Ideal for ongoing projects or as a financial cushion.
→ Flexible draw-down, interest-only options
2nd Mortgage / Home Equity Loan
Owners who want a lump sum without touching their 1st mortgage
Keep your existing low-rate first mortgage intact and take a second loan against your equity. Fixed rate, fixed payment, defined payoff date.
→ Preserve your 1st mortgage rate
Non-QM Financing
Self-employed buyers, homeowners, and investors
Bank statement loans, DSCR investor loans, asset depletion, and alternative income documentation programs for borrowers who don't fit conventional guidelines. We find the right non-QM product for your income profile and property type.
→ Qualify based on bank statements, assets, or rental income
Today's Rates
Current Mortgage Rates
Rates shown are representative estimates for well-qualified borrowers in California. Actual rate depends on credit score, loan-to-value, property type, and program. Contact us for a personalized quote.
| Loan Product | Interest Rate | APR | Notes |
|---|---|---|---|
| 30-Year Fixed | 6.875% | 6.932% | Most popular — stable payment for life of loan |
| 15-Year Fixed | 6.250% | 6.341% | Pay off faster, significantly less interest overall |
| 20-Year Fixed | 6.500% | 6.578% | Middle ground — lower rate, shorter payoff |
| 10-Year Fixed | 6.125% | 6.240% | Fastest payoff, lowest rate — higher monthly |
| 5/1 ARM | 6.375% | 7.012% | Fixed 5 years, then adjusts annually |
| 7/1 ARM | 6.500% | 7.088% | Fixed 7 years, then adjusts annually |
| FHA 30-Year | 6.500% | 7.124% | Low down payment, flexible qualification |
| VA 30-Year | 6.125% | 6.318% | For eligible veterans — no PMI, competitive rate |
| Jumbo 30-Year | 7.125% | 7.198% | For loan amounts above conforming limits |
Rates are for illustrative purposes. APR includes fees and reflects the true cost of borrowing. All loans subject to credit approval and underwriting. Capital Management Realty Inc dba Express Home Lending — NMLS #1705248.
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Mortgage Calculator
For illustrative purposes only. Actual rates and payments depend on credit, loan type, and market conditions at time of application.
Estimated Monthly Payment
$3,416
Principal & interest only. Does not include taxes, insurance, or HOA.
Our Difference
Lending decisions and
real estate strategy — together.
Most lenders only see the loan. We see the full picture — your property value, your equity trajectory, your timeline, and your goals. A refinance that makes sense today might not if you plan to sell in 18 months.
We only recommend lending solutions that fit your broader property strategy. If the numbers don't support it, we'll tell you that too.
Request My Lending Review
"If the math doesn't support it, we'll tell you."
The CMR Standard
How It Works
An express review —
not a sales funnel.
Express Review
We assess your current loan, equity position, credit profile, and goals. Takes about 20 minutes — no commitment required.
Option Comparison
We present every lending path available to you — refinance, HELOC, 2nd loan — with real numbers, monthly impacts, and break-even analysis.
Real Estate Integration
We connect the lending decision to your broader property strategy — whether that's staying, selling later, or building equity through improvement.
You Decide
Move forward with the option that fits. Or don't — if the numbers don't support it, we'll tell you. No pressure, no pipeline to fill.
Right For You?
Lending options work best
in these situations.
- Owners with high-rate mortgages (5.5%+) looking to reduce payments
- Homeowners needing cash for renovations or repairs
- Owners wanting to consolidate high-interest debt
- Landlords optimizing cash flow on rental properties
- Owners behind on payments exploring alternatives to selling
- Homeowners planning improvements before listing
- Anyone uncertain whether to sell or stay — and needing clarity
- Estates or inherited property owners managing financing decisions
At A Glance
Lending vs. Selling — compared.
| Option | Timeline | Keep Home? | Best For |
|---|---|---|---|
| Purchase Financing | 21–45 days | Yes | Buying a home — conventional, FHA, VA, jumbo |
| Rate & Term Refi | 30–45 days | Yes | Lowering payment, shortening term |
| Cash-Out Refi | 30–45 days | Yes | Accessing equity, debt consolidation |
| HELOC | 2–4 weeks | Yes | Flexible access, ongoing projects |
| 2nd Mortgage | 3–4 weeks | Yes | Lump sum without touching 1st mortgage |
| Non-QM Loan | 21–45 days | Yes | Self-employed, investors, non-traditional income |
| Sell Retail | 60–90 days | No | Maximum net, full equity extraction |
Important Disclosures
- · Lending options are subject to borrower qualification and underwriting approval.
- · Program availability and rates vary based on credit, property type, and market conditions.
- · We do not provide legal or tax advice. Consult an attorney or CPA for tax implications.
- · CMR Home Solutions is a real estate and lending-focused options review process — not a guarantee of loan approval.
- · Capital Management Realty Inc dba Express Home Lending — NMLS #1705248. Equal Housing Opportunity.
No Obligation
Know every option
before you decide.
Start with a complimentary lending review. We'll walk through your options — refinance, HELOC, 2nd loan — alongside your real estate picture, so you can make the right move.
Capital Management Realty Inc dba Express Home Lending · NMLS #1705248 · DRE #02031312 · 8642 Garden Grove Blvd, Garden Grove, CA 92844
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