Feel confident you got the most out of your refinance

Simple online process, transparent pricing, and all the one on one time you need.

Competitive rates

Updated daily, here are today's:

    30 Year Fixed

    2.500%

    2.672%

    Rate / APR

    15 Year Fixed

    1.750%

    2.067%

    Rate / APR

Disclosures

Disclosed rate assumes a $625,000 rate and term refinance loan on an single family residence in California. Minimum 760 FICO credit score, 59.98% loan to value with no subordinate debt.

If these factors are not met, you may still qualify and additional pricing adjustments may apply. Subject to underwriting approval. Not all applicants will qualify. Homiro customers with loans currently in process or have closed a loan within the last 8 months do not qualify.

No hidden fees or surprises.

Don't be shocked at the bill, We show you everything up front.

Know what to expect

We're confident you'll love our process!

If you are unhappy, we'll transfer your documents, application, and appraisal to another company of your choosing. If you're unhappy, we're unhappy!

  • Anytime

    We make a commitment to being responsive so you never get left in the dark.

  • Anywhere

    On our platform, through email, text, whatsapp, whatever you are most comfortable with.

  • Online Resources

    We provide explanations, articles, masterclasses and a great online platform to make your process easy

  • Expert Opinions

    Our team has over 20 years of industry experience to make things fast and reliable.

Don't just take our word for it...

We take pride in the quality service we provide everyone who works with us.

I have worked with Peter multiple times to refinance my mortgage, and I would not consider working with anyone else. He is knowledgeable, on top of the details, and takes the time to explain what's going on. He is tenacious in finding the best rate, and then driving the process forward.

Jeanne B.

Cupertino, CA
I'll never forget how easy Peter made it all seem - from applying for a loan to the close of escrow. And, no matter what happened, he made sure I knew what my options were and was there to guide me each step of the way... his unwavering dedication to support my best interests... I can't thank him enough for helping me get keys to my first home!

Brigitte D.

Santa Clara, CA
I worked with Peter on not only my initial mortgage, but on my refinancing, too. Throughout both processes, he was always attentive and extremely helpful. Whenever I had a question or concern, he was always ready to jump on the phone.

Matthew S.

Los Angeles, CA

Frequently Asked Questions

  • What are the steps to get a loan?
    Here is a high-level view of the steps to getting a loan, if you have any questions about these steps just ping us or your loan specialist and we’ll walk you through the steps needed.
    Step 1: Set your goal 🎯
    Step 2: Pre-lock a rate 🔓
    Step 3: Apply & Upload Docs 📄
    Step 4: Lock a Rate 🔒
    Step 5: Get Loan Approved 👯‍♀️
    Step 6: Sign Final Loan Documents 🖊️
    Step 7: Pop Champagne 🍾
  • How does Homiro make money?
    We make money by selling our loans to mortgage servicers in the secondary market. "Mortgage servicer" is a fancy term for the company that you will make your mortgage payments to. 
  • How does Homiro determine my rate?
    We use a wide range of factors — such as market conditions, your credit history, and your property characteristics — to find the best possible rates and options available to you from a variety of investors. Some factors include:
    • Loan Purpose
    • Loan Amount
    • Loan type: (Fixed, Adjustable, Conventional, FHA)
    • Estimated Property Value
    • Middle Credit Score
    • Debt vs. Income
    • County
    • Cash Reserves
    • If you have private mortgage insurance
    • If you have a second mortgage
  • Where does Homiro operate?
    We are licensed to help in the entire state of California ☀
  • What types of mortgages does Homiro offer?
    Fixed and Adjustable mortgages for Conventional, FHA, VA, and Jumbo loans.
    Residential properties only which include:
    • Single Family Residences (Attached & Detached)
    • Townhouses (Attached & Detached)
    • Condominiums (Attached & Detached)
    • Planned Unit Developments (PUD)
    • Multi-Family Residences (2-4 units)
    We do not offer at this time:
    • Commercial Business Loans
    • Manufactured/Mod Homes
    • Multi-Unit (5 or more units)
    • Co-ops
    • Mixed-use properties