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Alviso, CA Mortgage Refinance in California

We make it easy to get the lowest mortgage refinance interest rate in Alviso, CA.

Our loan specialists can customize a loan that is perfect for your needs. In no time at all, Alviso, CA residents can be on the way to a lower interest rate, a lower monthly payment, or switching from an adjustable rate mortgage to a fixed rate mortgage.

When Should I Refinance?

The best time to refinance is when interest rates in Alviso, California drop below the rate of your current mortgage.  With a lower interest rate, you'll save money on your mortgage payment every month.  Be sure to read our article titled Reasons to Refinance Now.

Turn Your Adjustable Rate into a Fixed Rate

With adjustable rates on the rise Alviso, CA residents can benefit greatly from refinancing your home for a low fixed rate.  These benefits include a lower monthly mortgage payment, and the security of knowing your mortgage payment won't increase.

Cash-Out Refinancing

Using the equity in your home, you can refinance your mortgage for a higher amount than your current principal balance and receive the extra funds as cash.  You can use this money however you would like, including, remodeling your home, paying off high-interest rate credit cards, paying off student loans, or consolidating all your debt.  How much cash out you can receive by refinancing depends largely upon the principal balance remaining on your mortgage and the amount of equity in your home.

Eliminate PMI

Private Mortgage Insurance is usually required if your downpayment on your home was less than 20 percent.  If your home equity has increased since your purchase, you may have enough equity to elimate that PMI payment by refinancing your mortgage.

Save Thousands in Interest

When you refinance your home you can decide to switch your mortgage to a shorter term, such as 10, 15, or 20 years.  Depending on how much lower the refinance rate is, you will likely pay more per month for this shorter term home loan.  However, in the long-term you are saving thousands in interest.  And because more of your monthly mortgage payment goes towards the principal, your home equity will increase much quicker.

Mortgage Refinance Calculators

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Refinance Articles

Reasons to Refinance Now
Beat the Subprime Mortgage Crisis 
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Alviso, California News
Eastside/Westside looks back at 2008

A Marine during WW II, then a California's Great America theme park carpenter for 10 years, now 86-year-old Charlie Everett is a totem carver in Alviso.


olice Blotter

Santa Clara and 27th streets, 9:56 p.m. Tuesday A parolee and validated gang member who was under the influence of a stimulant, had outstanding warrants totaling $200,000 and methamphetamine in his possession ...


Talk of the Town Dec. 18

The Milpitas Firefighters Local Union 1699 is in the middle of its annual Holiday Toy and Food Drive, in cooperation with the Milpitas Fire Department, Milpitas Food Pantry and Milpitas Chamber of Commerce.


Paving-grading business doubles food donation

Doubling their efforts from last year, Milpitas-based Duran and Venables Inc. collected almost 4,000 pounds of food and other goods from their employees, vendors and the community to benefit the Milpitas Food ...


Eastside/Westside: Outsider artist carves his last totem

Charlie Everett portrait taken on Sept. 30, 2008. Everett, 86, of Milpitas, is a master carpenter who turned his talents to totem poles after he retired.


Downtown College Prep aims to make "hard to serve" kids excel

A charter school to help under-achieving students excel has opened in North San Jose.


San Jose police sketch artist recognized as one of the best in his field

New age music, sometimes even a whiff of incense, floats from the wood-paneled artist's studio next to a bank of holding cells and a wall of weapon lockers in the basement of the San Jose police department.


More grants aid in Alviso adobe renovation

Future improvements and new grants to help renovate the historic but dilapidated Jose Maria Alviso Adobe have been approved by city leaders.


Man accused of killing friend, buying alcohol with his Social...

Police say a homeless San Jose man killed his friend and buried him in a shallow grave near Alviso, and that the suspected killer spent the next four months cashing the dead man's Social Security checks to buy ...


Milpitas school board trustee running for county school board

Milpitas Unified School District Board of Education member Carmen Montano decided not seek re-election to the local board in the Nov.


College prep middle school opens to help push kids onto college.

A small South Bay community finally has its first middle school and Tuesday was the first day of classes at the new Downtown College Preparatory School in Alviso.


Rescuers hope to save 200 feral cats in San Jose

One of 200 cats at a former horse ranch in San Jose that will have to be euthanized if a home cannot be found for it.


Famous tale inspired by valley dog, estate

If you're of a certain age - OK, don't stand up at once - chances are that you were required to read Jack London's masterpiece, "The Call of the Wild," in the seventh grade.


Backstreet Shuffle

I N 1980, San Jose carved itself up into what's often lambasted as the "mini-mayor system," a fragmented balkanization of 10 jagged, haphazard regions represented by 10 councilmembers with their own individual ...


North San Jose development compromise reached

San Jose's City Council and developers reached an agreement Tuesday that advances a plan to build 32,000 homes and create 83,000 jobs in the area.


Alviso Slough Restoration Project is Outside of Water District's Core Mission

Alviso sits at the foot of San Francisco Bay, where Coyote Creek and the Guadalupe River wind through sloughs on their way to the sea.


Alviso Slough Restoration Project is Outside of Water District's Core Mission

Alviso sits at the foot of San Francisco Bay, where Coyote Creek and the Guadalupe River wind through sloughs on their way to the sea.


Alviso river project raises hopes, tensions

Dick Santos was only 11 years old, but he still vividly remembers when flood waters raged out of the Guadalupe River toward his family's home in Alviso.


Santa Clara water board praises part-time CEO, extends high-pay contract

The Santa Clara Valley Water District today extended the contract of its interim CEO, continuing a relationship in which she will work part-time and receive $432,000 this year by drawing both a state government ...


Man survives being hit by train near Fremont

A 43-year-old man suffered head injuries and a compound fracture of his right arm Monday night when he was struck by a commuter train passing through an area near Drawbridge, an abandoned town in the marshlands ...


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