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  • Refinancing is often used to lower your interest rate. If rates have dropped since you last financed your home, you may want to consider refinancing! Other common reasons to refinance include paying off a balloon payment, converting an adjustable-rate loan to a fixed-rate loan or to extract cash equity in your home (Cash-Out Refinance). A few reasons for cashing out can include: Home Improvement, an Education Fund, and Consolidating Debt.


  • Purchase is a type of mortgage loan used to buy a home. It is not a loan that is taken out after you buy a home such as home equity of credit or a home equity loan. It is not a refinance mortgage. A purchase money loan is evidenced by the trust deed or mortgage a home buyer signs at the time the home buyer purchases the home. A borrower can obtain a purchase money loan from a bank, a savings and loan, a credit union or a private source of funds, including from the seller who is selling the home. 


  • Cash-Out Refinance is the process of replacing an existing mortgage with a new one that typically extends more favorable terms to the borrower. By refinancing, the borrower may be able to decrease the homeowner's monthly mortgage payments, negotiate a lower interest rate, renegotiate the number of years—or term—of the loan, remove other borrowers from the loan obligation, or access cash through home equity that has built up over time. A cash-out refinance is a mortgage refinancing option in which the new mortgage is for a larger amount than the existing loan amount in order to convert home equity into cash!


  • Home Improvement Loans is where homeowners can apply for home improvement loans for a variety of reasons, including remodeling, updating or making repairs to their home. Loans can be issued for anything as simple as a roof repair, an update to an energy-efficient furnace or new addition. Repayment for this type of loan can be made in many different ways. A homeowner can take an unsecured loan or use the equity in the home as collateral. A homeowner can also take a first mortgage loan or a subordinate loan. Each scenario is unique and will require careful analysis of the type of financing that may be best suited for the situation.


Sterling Homex Inc. d/b/a Sharp Loan | 625 The City Drive South Suite 400, Orange, CA 92868

California BRE # 01798535 | NMLS # 1387935 



Sharp Loan has the most amazing service. Their team was in complete control and provided me with regular and consistent updates. The rate and fees presented at closing were exactly as agreed - no surprises!

Max Power, Los Angeles, CA.

 Sharp Loan is fantastic to work with. They are prompt, helpful, and very professional. We have done several loans with them and they make it happen! We recommend them to anyone and will definitely return for our next real estate loan.

Micah Martin, Lake Elsinore, CA. 

 I am extremely thankful for Sharp Loan helping me purchase my first home! I'm a first-time buyer and Loan Officer Rey Reyes was
always available walked me through every step and made the process very easy. He was always available and answered every question I had. His assistant Anthonette was wonderful to work with. Thank you both for making this happen!

Dulce Taylor, Fullerton, CA.