Refinance

Whether you’re looking to lower your monthly payment, tap into your home’s equity, or shorten your loan term, I’ll help you explore the refinance options that make the most sense for your goals.

REFINANCE

FHA Streamline

The FHA Streamline makes refinancing fast, easy, and paperwork light —often no appraisal or income verification required.

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VA Streamline

Quick, hassle-free refinancing for existing VA loan holders—lower your rate or change your terms without the red tape.

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Conventional

Refinance your current conventional loan for better terms, a lower rate, or to cash out some equity. Flexible, fast, and straightforward.

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FHA Cash Out

Need cash for home improvements, debt payoff, or big life events? Tap into your home’s equity with an FHA cash-out refinance.

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VA Cash Out

VA-eligible and looking for cash? Refinance up to 100% of your home’s value and put that equity to work.

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Jumbo

Own a high-value home and looking for a better deal? Jumbo refinance loans help you optimize your payment while keeping your lifestyle intact.

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FHA203K

Buying a fixer-upper or ready to renovate? The FHA 203k lets you finance both your home purchase and repairs in one loan.

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USDA Streamline

Lower your interest rate with minimal paperwork—if you already have a USDA loan, this is a smooth and simple option.

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Let’s turn your mortgage into a smarter financial move.

We’ve got your back with helpful tips, timely updates, and everything you need to feel confident about homebuying. Fill out the form to get exclusive SMS updates from Shannon Hoff Home Loans.

Prefer to talk it out? You can also reach us by email or phone—we’re here to answer your questions and make the process easier every step of the way.

shannon@shoffhomeloans.com

(916) 705-0445

6085 Douglas Boulevard, Suite 500 Granite Bay, CA 95746

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