Forbearance Refinance in California
Forbearance Refinance in California


You CANNOT refinance your home after forbearance.

✔️ FACT:

Yes you CAN refinance your home after forbearance!

 Can I refinance my home after forbearance in California?

The short answer is… YES. 

There’s been a lot of confusion around whether or not homeowners are allowed to refinance and take advantage of these new rock bottom rates.

There are new rules and regulations to work around when it comes to refinancing your home. Banks and lenders are now required to comply with the Cares Act and other provisions of the laws applicable to COVID-19 forbearance.

However it’s completely possible to refinance after forbearance, as long as you have a loan officer who can help you navigate the new laws and regulations.

What determines if I can refinance after forbearance?

The top three things that determine when and how you can refinance will be:

#1 Restoration of income, if applicable. – Have you started working again?

#2 Resumed on-time payment history. – Did you start paying your mortgage again?

#3 Your household’s particular financial situation. – Everyone’s situation is different and judged uniquely by lenders. 

Even if you don’t check all three of those boxes, there still may be a refinance solution available to you. There are numerous other considerations as well, such as your family’s plan for the house itself.

For example, if you’re going to sell the home in a few months, refinancing might not be the best choice. A HELOC could be a better solution if you’re looking to pull some equity out of your home.

If you plan on keeping your home for the foreseeable future, then in most cases a refinance is a smart option. In regards to rates, there’s never been a better time to refi. 

How do I get started with a forbearance refinance?

Fill out the questionnaire below and our head loan officer Chris Mason will assess your particular scenario and provide you with available forbearance solutions. You can also call (415) 846-9211.

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"I'm really glad I went with Chris Mason to help set up my mortgage. I had shopped around with various brokers/lenders ahead of time and Chris came recommended via a friend who worked with him on their refinancing. I was really impressed with his responsiveness and how hard Chris worked. His communication was direct and clear (and often funny) every step of the way. I appreciated that he gave me the pros and cons for going with various mortgage options."

Colin F.


"From our very first conversation it was clear that Chris was very willing to help educate us on the loan and home buying process. Of the three loan officers/brokers we talked to, Chris was clearly the most knowledgeable and answered every single one of our questions in a way we were able to understand. Most importantly, Chris found us the lowest rate and we were able to close in just over a month."

SeanPaul L.

All Your California Forbearance Questions Answered

Chris Mason is a California loan officer who will advocate on your behalf with banks and lenders — who are oftentimes confused about the new rules themselves.

As consumer advocates and fiduciaries under California law, we’re on your side to make it work with the best execution possible, if possible.

If your home is in California, we would love to have a virtual meeting to go over all of your options in great detail. Use the forbearance form above to get all your forbearance questions answered including: 

  • Does mortgage forbearance affect refinancing?
  • Can I refinance during forbearance in California?
  • Can I sell my house while in forbearance?
  • Are there FHA refinance loans after forbearance?
  • What are the Fannie Mae forbearance requirements?

Click Here To Fill Out Our Forbearance Questionnaire

Chris Mason, Loan Officer

Areas We Service

Our local offices serve the greater East Bay Area including:

East Bay ◦ Berkeley ◦ Oakland ◦ San Leandro ◦ Richmond ◦ Albany ◦ Alameda ◦ Pinole ◦ Martinez ◦ Contra Costa County ◦ San Lorenzo ◦ Hayward ◦ Fremont ◦ Walnut Creek ◦ Concord ◦ Union City ◦ SacramentoElk GroveVallejo

Our remote services allow us to serve clients anywhere in California including the Los Angeles and San Diego Metropolitan Areas.

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