Patrick TabaMortgage Loan Advisor E Mortgage Capital E Mortgage Capital
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Patrick Taba, also known as Mortgage PatrickMortgage Loan Advisor in Orange County, California

Refinance only when the numbers work.

I'll put your current loan next to today's options and tell you straight whether a refinance makes sense now, later, or not at all.

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4.8 out of 5 from 50+ client reviews

Patrick Taba (Mortgage Patrick), NMLS #1553052, Santa Ana, CA. E Mortgage Capital, Inc., NMLS #1416824, licensed in 47 states. In states where Patrick isn't individually licensed, you'll be connected with a licensed E Mortgage Capital loan officer.

Reasons to refinance

  • Lower your payment

    A lower rate or a longer term can reduce what you pay each month.

  • Shorten your term

    A shorter term can save interest and pay your home off sooner, usually with a higher monthly payment.

  • Take cash out

    Replace your current loan with a larger one and use the difference for renovations, debt payoff or a big expense.

  • Drop mortgage insurance

    If your home has gained value, refinancing an FHA loan or a loan with private mortgage insurance may let you remove it.

  • Switch to a fixed rate

    Trade an adjustable rate for a fixed one so your principal and interest payment stays the same.

Already have a rate you'd never get today?

Keep it. A HELOC or home equity loan can get you cash without touching your first mortgage.

Compare HELOC and home equity options

Find your break-even point

See how long your monthly savings take to cover the cost of refinancing.

An example. Try any rate.
Your Loan Estimate shows the real number
New loan term

Monthly savings

 

  • Current payment
  • New payment
  • Break-even point

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For illustration only. Payments shown are principal and interest only. The rates are examples you control, not advertised rates or an offer to lend. Your actual rate, APR, costs and savings depend on your credit, property, loan program and market conditions.

From a client

Patrick and his team worked tirelessly to push our refinance through. We ran into several hurdles during the process and he guided us every step of the way. His communication was top notch, we always felt in the loop of what was going on, and he consistently allowed us to weigh in on the process.

Sean B.Birdeye review

Refinance questions

How do I know if refinancing is worth it?

Compare your monthly savings to your closing costs. If the savings cover the costs well before you expect to sell or refinance again, it's worth a closer look. The calculator above shows your break-even point.

What does it cost to refinance?

Closing costs typically include lender, appraisal, title and escrow fees. Before you commit, you'll get an itemized Loan Estimate showing every cost.

Will refinancing restart my loan?

A new loan starts a new term. You can choose a shorter term, or keep paying your old payment amount to pay the new loan down faster.

How long does a refinance take?

Many refinances close in about 30 days. Your timeline depends on the appraisal and how quickly documents come in.

Get your options

Share a few details and I'll follow up by phone or text. Rather reach out yourself? Use any of these.

E Mortgage Capital is licensed in 47 states. Pick your state in the form, and if I'm not licensed there, I'll connect you with a licensed loan officer on our team.

"Patrick Taba worked efficiently and fast. He delivered his promise. We refinanced our home as we expected."

Yohannes W., Birdeye review

Patrick TabaMortgage Loan Advisor, NMLS #1553052

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