Mortgage & Refinance Services
At A.K.E. Financial, we provide trusted, personalized mortgage and refinance services with fast approvals for clients across the East Bay Area. Whether you’re buying your first home, upgrading to your next, or refinancing your current mortgage, our goal is to make the process simple and seamless — helping you build lasting financial success.
As a licensed mortgage and real estate professional (NMLS ID #2481698, CA DRE License #02202093), A.K.E. Financial offers a wide range of mortgage solutions tailored to your unique financial situation. We work with a variety of lenders to help you secure competitive rates and programs that align with your goals.
- Home Purchase Loans: Guidance through the full home-buying process, from pre-approval to closing.
- Jumbo and High-Balance Loans: Favorable rates and seamless process for higher-value homes common in the East Bay region.
- Mortgage Refinancing: Explore options to lower your monthly payments, shorten your loan term, or access home equity for investment opportunities or major expenses.
- FHA, VA, and Conventional Loans: Access diverse programs designed for different borrower needs and qualifications.
- Investment Property Financing: Strategic solutions for investors and rental property owners in the Bay Area.
Refinancing your mortgage can be a powerful financial strategy when done for the right reasons. At A.K.E. Financial, we carefully evaluate your current loan, credit profile, and goals to help determine if refinancing is the right move for you.
Common reasons to refinance include:
- Cash out for investment opportunities
- Reinvest or consolidate properties
- Lower your interest rate and monthly payment
- Switch from an adjustable-rate to a fixed-rate mortgage
- Reduce your loan term to pay off your mortgage faster
- Access home equity for renovations, education, or debt consolidation
- Remove private mortgage insurance (PMI)
Our team ensures you fully understand your refinancing options so you can make a confident, informed decision that supports your financial health.
Mortgage Application Document Checklist
To help you get started smoothly, here’s a checklist of documents typically required when applying for a mortgage or refinance. Having these ready can significantly speed up the approval process.
- 2 most recent paystubs
- Last two years' W2 and/or tax returns for self-employee/landlord
- 2 most recent bank statements (all pages)
- Home fire insurance policy declaration page
- Copy of ID Card (Driver's License) and green card or work visa
- Executed purchase contract for purchase loan
Our team will guide you through which documents are needed based on your unique situation, ensuring a smooth and stress-free experience.
Why Work With A.K.E. Financial?
- Personalized Solutions: We match you with the best loan products for your goals and credit profile.
- Seamless Process: We guide you from application to closing, ensuring every step is clear and coordinated.
- Local Expertise: We understand the unique real estate and lending environment of the East Bay.
- Licensed and Trusted: Fully licensed under the California DRE and DFPI, ensuring professionalism and compliance.
Whether you’re exploring refinancing options or ready to purchase your next home, A.K.E. Financial is committed to providing clarity, integrity, and exceptional service every step of the way.
Start Your Mortgage or Refinance Journey Today
Take the first step toward achieving your financial and homeownership goals. Contact A.K.E. Financial today to schedule a consultation or begin your pre-qualification process.