LOCK IN INCREDIBLY LOW RATES

 We've combined ROCK BOTTOM rates & state-of-the-art technology to create the best refinance possible. 

We make refinancing & taking cash out STREAMLINED & SIMPLE.

Many refinances qualify for NO appraisal; eClick Lending has NO upfront appraisal fee. 

Get accurate, no-nonsense refinance proposals FAST. 

Step 1: Securely submit basic information below & receive accurate refinance rate/term options from Josh.

Step 2: Select the best option for you & receive an Account Activation email.

Step 3: Upload needed documents to start approval process. 

START MY
REFINANCE

YOU'RE ABOUT TO EXPERIENCE THE MODERN MORTGAGE MIRACLE

COMMON QUESTIONS

Will a mortgage inquiry HURT my credit?

Short Answer: NO *phew*

Just about everyone knows their FICO score these days courtesy of our credit card statements or credit monitoring like Credit Karma. Don't be afraid to start a mortgage preapproval. In most cases, the credit inquiry has little to no impact on your scores (1-2 pts). A credit card inquiry is far more damaging to scores because a housing-related inquiry is viewed as more of a need, not a luxury like that Macy's card. 

Do I really need an appraisal?

Short Answer: Maybe, Maybe Not

An appraisal is usually required to confirm the value of your home before a mortgage can be obtained. Appraisals generally cost around $500; eClick Lending has no upfront appraisal fee. In fact, should your home not appraise out, we waive the cost completely. Automated Underwriting (AUS) will often allow us to waive the requirement for an appraisal completely! This can allow someone to refinance very quickly (15 days)!

My credit needs HELP; can you help me?

Short Answer: YES

We're PASSIONATE about helping people take control of their finances. At eClick, we're able to help our clients plot a course to strategically improve and in many cases, rapidly boost credit. We do NOT charge any upfront credit report/analysis fees and can also connect you with several trusted partners that can repair credit. Let's start your preapproval and help you take the next step!

REAL. RECENT. REVIEWS.

Hear from real clients Joshua and his team have helped. More reviews here.

"Loved working with Joshua! He was friendly, honest, and helpful."

-Stacy P. (Zillow review)

"Loved working with Joshua! He was friendly, honest and helpful. He guided me through my first home buying experience. I was purchasing a home 2000 miles away but Josh knew what I needed to do. I would recommend him."

"Josh's experience with this type of purchase was reassuring & appreciated."

-Carrie W. (Zillow review)

"Josh was very patient, knowledgeable, and responsive. He has a high level of integrity. My husband and I were first time homebuyers and our purchase was going to be an investment property too (rental) so Josh's experience with this type of purchase was reassuring and appreciated."

"Josh was always available when I need to discuss important issues..."

-Todd C. (Zillow review)

"Outstanding! Josh was always available when I needed to discuss important issues. Very ethical, knowledgeable, and trustworthy. I would recommend him to anyone needing a broker and will use him again if I need a broker."

GOT A QUESTION?

ASK JOSH

Don't speak "mortgage"? We do! Applying for a mortgage can be confusing and we're here 24/7 to answer any question you might have.

MESSAGE US!