Alternative Refinancing Options

You Can Still Save Big by Refinancing Even without an FHA Loan on Your San Francisco Bay Area Home!

Even though the new FHA Streamline program is only designed for San Francisco Bay Area homeowners who currently have an FHA mortgage loan, there are still attractive options if you you have another mortgage type.

There are at least 3 additional refinancing programs available for those who have other types of San Francisco Bay Area home loans.

Feel free to contact us at 415-971-8282 to determine if there are additional options available and for a free consultation to help you make the best and most cost effective decision.

 VA Streamline Refinance

For San Francisco Bay Area property owners with VA home loans you could qualify for a VA Streamline or IRRRL (Interest Rate Reduction Refinancing Loan). These streamlined refinance loans for San Francisco Bay Area homeowners boast many of the same benefits as the FHA program.

They can be used to switch between fixed rate and adjustable rate mortgages, lower rates and payments and also require no appraisal, no money out of pocket and no credit to be pulled (unless requested by an individual lender).

However, one great advantage of VA streamlined refinancing is being able to add up to $6,000 worth of financing for energy efficient home improvements into the new loan.

Receive a FREE, No-Obligation VA Streamline Refinance Quote by completing our simple one-minute form here

 HARP 2.0 - Help for San Francisco Bay Area Home Owners Who are Underwater on their Existing Mortgage

San Francisco Bay Area homeowners with Fannie Mae or Freddie Mac home loans originated before June 1st, 2009 could be eligible for the new Home Affordable Refinance Program (HARP), designed to assist those with conventional and conforming loans to refinance ad enjoy lower mortgage rates and home payments.

HARP 2.0 allows refinancing without paying down principal, mortgage insurance and for most means no money out of pocket, regardless of how much you owe on your home compared to its current value.

Contact Us at 415-971-8282 if you have any additional questions about this program or complete the One-Minute No-Obligation HARP 2.0 Request form here to determine your eligibility and to receive a free rate quote.

 Refinancing Help for the Self-Employed

While stated income loans have virtually disappeared making it incredibly difficult for self-employed borrowers to obtain a mortgage of any type in San Francisco Bay Area today there is still help available.

Self-employed borrowers run into the biggest issues when it comes to verifying their employment and as their tax deductions often dramatically reduce the amount of income available to qualify.

Fortunately there are lenders and loan programs which will accept alternative methods of income verification specifically for the self-employed and San Francisco Bay Area business owners.

Don’t give up hope until you have pursued all financing options.

Contact us at 415-971-8282 or send us a message using
the form below to find out more about your
San Francisco Bay Area refinancing options.

Ask Your Question About FHA Streamline Here

FHA Streamline Analysis | Alternative Refinancing Options | Privacy Policy | Ask A Question

Photo of Lakshmi Yokoyama

Sierra Pacific Mortgage Corp

Lakshmi Yokoyama



Phone: 415-971-8282

Contact Lakshmi Yokoyama, your San Francisco Bay Area FHA Streamline Refinancing Specialist at 415-971-8282, to setup a free consultation or complete our Free No-Obligation FHA Streamline Analysis Form Here to discover your potential FHA streamline refinance savings.

Notice: This is a privately owned and maintained web site and is not a government agency. 
This site is not affiliated, endorsed or a division of HUD or FHA. If you are looking for FHA or HUD, you may contact them here

All information contained herein is for informational purposes only and, while every effort has been made to insure accuracy, no guarantee is expressed or implied. Any programs shown do not demonstrate all options or pricing structures. Rates, terms, programs, and underwriting policies are subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans are subject to underwriting approval. Some products may not be available in all states and restrictions apply.

Lakshmi G Yokoyama
Senior Mortgage Consultant | NMLS270710 / CalBRE01173506

Phone: 415-971-8282
Fax: 888-734-3381

363 El Camino Real. 288
South San Francisco, California 94080

Sierra Pacific Mortgage Corp

A Hartleb/Prasad Corporation
NMLS #257572. CalBRE #00921097

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State License Information CA (CalBRE 00585554 Broker Hemant Prasad)
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