01
Lower monthly payments
Find out whether refinancing could reduce what you pay each month, based on your actual loan.
For California homeowners
Your mortgage could cost less.
Tell us a little about your current mortgage. We’ll review your refinance options within 24 hours.
Text us now
A few texts to start.
No long application.
- No credit check to start
- Free, no obligation
- Reply STOP anytime
CR
Cal Rates ›
Text Message · Today 9:41 AM
Hi, I’d like to explore refinancing my mortgage.
What “better” means
A lower rate is only part of the picture.
Rate
Fees
Monthly
Total cost
02
A clearer comparison
See the rate, fees, and total cost side by side, so you can tell whether a new loan is actually better.
What’s the ZIP code?91101
03
Less legwork
Get help reviewing your options instead of filling out forms and chasing lenders on your own.
How it works
Start with a text. We’ll take it from there.
Tell us about your home: what kind it is, how you use it, and its ZIP code. Then, if you’re comfortable, our automated assistant calls for a few more details. A mortgage specialist reviews what comes next.
- CR
Cal Rates ›
Text Message · Today 9:41 AM
Hi, I’d like to explore refinancing my mortgage.1Text
Tap the button. Messages opens with a note ready to send. Three quick questions, answered in a few taps.
incoming call
Cal Rates
Automated intake assistant
“Hi — this is Cal Rates’ automated refinance assistant. Thanks for texting with us. I just have a few property details to finish up.”DeclineAccept2Quick call
Only if you say yes. Our automated assistant calls to collect the rest. Prefer to keep texting? That works too.
- CR
Cal Rates ›
That’s everything, I think!Thanks for walking me through all of that. I’ll pass your details to our mortgage specialist so they can review the next steps.Specialist review
- ✓Your current loan
- ✓Rate, fees, and total cost
- ✓Whether refinancing is worth it
3Review your options
A mortgage specialist looks at your details and follows up within 24 hours with what’s worth considering.
Text us now
Opens Messages with a note ready to send.
Who we are
Real people behind the next step.
Cal Rates makes the first step easy: a few texts instead of a long form, and an automated assistant that’s upfront about being automated. Then a licensed mortgage specialist, a real person, reviews your details and walks you through the options.
The mortgage specialist’s role
Your specialist is licensed to give mortgage advice. They review your current loan, explain the rate, fees, and total cost of any option, and tell you plainly if refinancing isn’t worth it right now. You decide whether to go further.
How we use your information
Your details are used only to review your refinance options and contact you about them. We don’t sell your information, and we don’t share your phone number with third parties for their marketing. Privacy policy
What happens after you text
- 1Our automated assistant replies right away and asks three quick questions about your home.
- 2It offers a short automated call to collect the rest. You can say no and keep texting.
- 3A licensed mortgage specialist reviews your details within 24 hours and follows up.
- 4No one pulls your credit to start. Reply STOP anytime and the texts stop.
Questions
Good to know before you text.
Does it cost anything?
No. Texting us and getting a review of your options is free, with no obligation. If you choose to refinance, your specialist will explain every fee and closing cost before you commit to anything.
Will this affect my credit?
Not to start. We ask for an estimated credit score, not permission to check it. A credit check only happens later, with your consent, if you decide to apply.
Am I texting a real person?
The first texts and the optional call come from an automated assistant, and it tells you so. It gathers the basics so a licensed mortgage specialist, a real person, can review your situation without making you repeat yourself.
Do you guarantee a lower rate?
No. We promise a review of your options within 24 hours, not a better offer. Sometimes the honest answer is that your current mortgage is still your best option, and we’ll tell you that.
What if I don’t want a call?
Just say so. The call is optional, and you can finish everything by text.
How do I stop the texts?
Reply STOP at any time. You’ll get one confirmation and no further messages. Reply HELP for help.