Refinancing your mortgage

Evaluate Your Options

Is refinancing right for you and what does it entail? Let’s find out. Follow along as we provide essential information and resources to guide you at every step of your journey—including if refinancing is right for you.

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  1. Planning to refinance

    Refinancing your mortgage is a significant decision. Be sure you understand your options, whether it makes financial sense and the steps involved.

  2. Costs of refinancing

    Refinancing can save you hundreds of dollars per month, but before you dive in, it’s important to understand all the associated costs and long-term impacts.

  3. Options for refinancing

    There are three primary types of refinance mortgages, each designed to meet a variety of personal and financial goals. Which one is right for you?

  4. Working with your lender

    Your lender will play the biggest role in your refinance, and you’ll want to do your homework and be comfortable with who you select to manage your new loan.

  5. Closing your loan

    This is the final step in the refinancing process and is very similar to when you closed on your home. Find out what to bring and what to expect.

Evaluate your options

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We are continuously eager to engage with members of our community. Whether you're considering organizing a virtual Financial Literacy webinar for your company, contributing to support our mission, or seeking guidance on enhancing your credit and managing household finances, we're here to assist you every step of the way. Please don't hesitate to reach out - we look forward to connecting with you and meeting you at any point along your journey.

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Step-by-step guidance

No matter what your needs are, access to quality, unbiased information is your right. Follow along as we provide essential information and resources to guide you at every stage of your journey.


As a social enterprise, HPP CARES CDE has achieved significant and wide-ranging accomplishments in recent years. Working under the National Coalition for Equities' (NCFE) umbrella, our focus has been on advocating for a strong community voice among federal and state regulators and major private sector corporations. We've dedicated ourselves to addressing public policy issues, particularly those related to wealth and income inequality impacting affordable homeownership and small business growth.

Through collaborative efforts with NCFE, HPP CARES CDE has expanded outreach initiatives, leading to increased corporate social responsibility and consumer protection awareness. Our endeavors have enabled us to engage with a broader audience, forge partnerships with numerous companies, and engage with regulators, all with the goal of supporting deserving individuals in achieving sustainable homeownership, fostering successful small businesses, protecting consumers, and empowering California communities.

At HPP CARES CDE, we are committed to championing opportunities for people of color to become integral partners in our mission to reduce income and wealth inequality, thereby contributing to the creation of stronger futures for all minority groups.