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James TavernerMortgage Broker
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Refinancing

Review your mortgage with a clear comparison

I help homeowners compare their current mortgage with potential refinance options. We look at your goals, payment, costs and loan term together, in plain English. I work with homeowners across California, with a focus on Southern California.

Whether refinancing is a good fit depends on your circumstances. Final loan approval and terms are decided by the lender based on your full application.

What to consider

  • Your goals

    People refinance for different reasons — to change their payment, adjust their loan term, or restructure their mortgage. I start with what you want to accomplish.

  • Your payment

    I help you compare your current monthly payment with what a potential refinance option would look like, so you can see the difference clearly.

  • The costs

    Refinancing comes with costs, just like a purchase loan. I explain what those costs are and how they factor into whether refinancing makes sense for you.

  • The loan term

    A new loan can mean a new timeline. I walk you through how a different term changes your payment and the total you pay over time.

Is refinancing right for you?

There's no universal answer. Suitability depends on your current loan, your goals, how long you plan to stay in your home, and the costs involved. My role is to lay out the comparison honestly, so you can decide with a clear picture. Sometimes keeping your current mortgage may be the better choice, and I'll tell you that too.

I help homeowners throughout Southern California, including the Inland Empire and San Diego County. I’m licensed in California only.

Inland Empire

  • Riverside
  • Corona
  • Eastvale
  • Canyon Lake
  • Menifee
  • Temecula
  • Murrieta
  • Ontario
  • Rancho Cucamonga
  • Chino
  • Chino Hills

San Diego County

  • San Diego
  • Chula Vista
  • Carlsbad
  • Oceanside
  • Encinitas
  • Escondido
  • San Marcos
  • La Mesa

Explore the local information I’ve published in Local Guides.

Want to review your mortgage?

Schedule a conversation with me to compare your options, or start your application when you're ready.

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