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Refinancing can save you thousands — or cost you thousands if done at the wrong time for the wrong reasons. Here’s how to evaluate whether a refi makes sense for your California home loan.

The appraisal is one of the most consequential steps in the mortgage process. Here’s what appraisers look for, how value is determined, and what to do if the appraisal comes in low.

Here’s exactly what happens from initial application to funding — the complete California mortgage process broken down step by step so you know what to expect.