SOS Loans - A California Direct Lender & Broker
Hand holding a stopwatch displaying 15 days next to a house icon, symbolizing the speed of an S.O.S. Loans refinance.

California Mortgage Refinance | Close in 15 Days | Wholesale Rates

By S.O.S. Loans
  • Mortgage Refinance California
  • UWM Broker
  • 15 Day Close Mortgage
  • Wholesale Mortgage Rates
  • Cash Out Refinance
  • Instant Appraisal Waiver
California Mortgage Refinance | Close in 15 Days | Wholesale Rates

The 15-Day Mortgage Refinance

Skip the bank bureaucracy. Wholesale Rates. Instant Appraisals.


Get A Wholesale Quote »

Why Wait 45 Days?

In a volatile market, speed is money. Traditional banks take 45-60 days to close a refinance. At S.O.S. Loans, leveraging UWM's Track My Loan technology, we average 15 days.

Timeline Comparison:

S.O.S. Loans:
15 Days 🚀
Big Banks:
45-60 Days 🐢

The Wholesale Advantage

Retail lenders mark up their rates to pay for branches and Super Bowl ads. As a Wholesale Broker, we pass those savings to you.

  • Appraisal Waivers: Many homes in California qualify for an instant appraisal waiver, saving you $600 and a week of waiting.
  • Virtual Closing: Sign most documents from your phone. No spending 3 hours at a title office.
  • Cash Out: Access equity for renovations, debt consolidation, or investment properties.

Start Your Refi Now »