Refinance Your California Home With More Flexible Qualification Options

Whether you're looking to lower your monthly payment, access your home's equity, consolidate debt, or refinance out of a higher-rate loan, Equinox Home Financing offers solutions for traditional and non-traditional borrowers alike.

Our team specializes in helping homeowners who may not fit standard lending guidelines, including self-employed borrowers, investors, and those with complex income situations.

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Discover Your Refinance Options

Refinancing your mortgage may help you lower your monthly payment, access cash from your home’s equity, consolidate high-interest debt, or adjust the term of your loan to better fit your financial goals.

At Equinox Home Financing, we take the time to understand your situation and help identify the refinance solution that makes the most sense for your needs.

Whether you’re a W-2 employee, self-employed business owner, investor, or retiree, our team can help you explore your options.

Couple signing paperwork

How It Works

Apply Online

Our licensed loan officers are ready to help answer any questions that you have. Taking an application over the phone could be as quick as 10 minutes.

Get Approved

We will review your loan application, your property will be appraised, underwritten, and approved.

Fund

Once all items have been satisfied and we are clear to close, loan docs will be drawn. You’ll sign loan docs and your loan will fund.

Apply Online

Our licensed loan officers are ready to help answer any questions that you have. Taking an application over the phone could be as quick as 10 minutes.

Get Approved

We will review your loan application, your property will be appraised, underwritten, and approved.

Fund

Once all items have been satisfied and we are clear to close, loan docs will be drawn. You’ll sign loan docs and your loan will fund.

Why California Homeowners Refinance With Equinox

Refinancing isn’t one-size-fits-all.

Whether you’re looking to reduce your monthly payment, access equity, remove mortgage insurance, consolidate debt, or qualify using alternative income documentation, Equinox provides customized solutions designed around your goals.

Our experienced mortgage advisors will help you evaluate your available options and determine whether refinancing makes financial sense based on your situation.

House front patio

We are the Alternative Mortgage Financing Experts.

At Equinox Home Financing, we've helped thousands of borrowers purchase and refinance homes using some of the industry's most innovative financing solutions. Put our knowledge and experience to work for you. Contact us today for a free quote and consultation.

Funded Home Loans

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Application to Closing Conversion

Funded Home Loans

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Application to Closing Conversion

Our Latest Funded Loans

Take a look at some of the loans we recently funded for our self-employed customers.
LA House

Los Angeles, California

Bank Statement Loan
10% Down Payment
$1,200,000 Loan Amount

Spanish Style house

Tampa, Florida

Bank Statement Loan
25% Down Payment
$475,000 Loan Amount

White house front exterior

Plano, Texas

2 Year 1099 Loan
15% Down Payment
$505,000 Loan Amount

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Check out our Hundreds of 5 Star Reviews

What Are You Waiting For?

Call us today. A licensed representative is on standby to help you with your financing needs. There's no need to wait any longer.
Get financing now!