We want to beat your current rate.
The market is shifting. Many homeowners are sitting on a rate that is too high, or worse—they are in the middle of a refinance and are about to overpay in fees.
Here is our challenge: Let us analyze your situation. If we can't beat your deal, at least you'll know you have the best one.
No obligation analysis.
No hidden junk fees.
Start Your Free Rate Review
Complete the form below to see if we can lower your monthly payment.
Prefer to check rates yourself?
We believe in full transparency. Visit our Live Pricing Engine to see real-time interest rates tailored to your scenario immediately. No login required.
What is your primary refinance goal?
Select a path to see how we structure the perfect loan for you.
Lower Rate & Payment
Reduce monthly overhead without resetting your financial clock.
Get Cash Out
Access equity tax-free for renovations or investments.
Consolidate Debt
Pay off high-interest cards and save thousands monthly.
Shorten Term
Build equity faster and pay off your home sooner.
Remove PMI
Eliminate Mortgage Insurance if your home value has risen.
Investment / ADU
Finance an ADU or purchase a rental property.
Real Savings for California Families
These aren't just numbers. These are families who lowered their payments, eliminated debt, and secured their financial future.
The "Debt Crusher"
The Miller family in Torrance had $45k in credit card debt at 21% interest.
"We finally have breathing room in our budget again."
The "PMI Buster"
Sarah in Redondo Beach bought with 5% down. Her home value skyrocketed in 2 years.
"Frank showed me I had enough equity to drop mortgage insurance entirely."
The "ADU Builder"
The Garcias wanted to build an ADU for rental income but didn't want a high-rate personal loan.
"The rental income from the new ADU covers the entire mortgage increase."
Why let S.O.S. Loans handle your mortgage?
Speed
We move fast so you get your cash or savings sooner. Don't get stuck in a 60-day bank process.
Transparency
No hidden junk fees. We walk you through every line of the Loan Estimate so you know exactly what you pay.
Variety
As a broker, we shop dozens of lenders. We have access to diverse loan products that big banks often don't offer.
Achieve Your Mortgage Goals
Select your goal below to see how we structure the perfect loan.
Lower Your Rate
The Goal: Reduce your monthly overhead without resetting your financial clock unnecessarily.
How We Help:
- We monitor wholesale rates daily to lock in the absolute bottom of the market dip.
- Break-Even Analysis: We ensure the fees don't outweigh the savings. If it takes 5 years to recoup costs, we'll tell you not to do it.
Get Cash Out
The Goal: Access your home's appreciation tax-free for renovations, investments, or reserves.
How We Help:
- We order local appraisals with knowledge of your specific neighborhood to maximize value.
- Strategic LTV: We structure the loan amount to keep you in the best pricing tier (e.g., staying under 60% Loan-to-Value) to get cheaper rates.
Consolidate Debt
The Goal: Use low-interest mortgage debt to pay off high-interest (20%+) credit cards and loans.
How We Help:
- The Blended Rate: We calculate your weighted average interest rate across ALL debts to prove the savings.
- We handle payoffs directly to creditors during closing, which can immediately boost your credit score.
Shorten Your Term
The Goal: Own your home free and clear sooner, saving tens of thousands in interest.
How We Help:
- We compare 15-year vs 20-year options to find the payment "sweet spot" that builds equity fast without straining your budget.
- Interest Analysis: We show you exactly how much total interest you save by cutting 5-10 years off your loan.
Remove PMI
The Goal: Stop paying for Mortgage Insurance if your home value has increased enough (80% LTV).
How We Help:
- We run automated valuation models (AVMs) to verify if you have reached 20% equity before applying.
- Recast vs Refinance: We calculate if it makes sense to refinance or simply petition your current servicer, advising you on the cheapest path.
Invest / ADU
The Goal: Use equity to fund an Accessory Dwelling Unit (ADU) for rental income or buy an investment property.
How We Help:
- We have specific renovation products that allow you to borrow against the "Future Value" of the ADU.
- Cash Flow Analysis: We help ensure the rental income from the new unit covers the increased mortgage payment.
Blended Rate & Savings Calculator
See how much you save by consolidating debt into a lower blended rate.
In the middle of a refinance right now?
Don't sign any papers with another lender until you let us take a second look. We usually beat their rate or fees.
Upload Statement
Securely upload a photo or PDF of your current Mortgage Statement or competitor's Loan Estimate.
Upload to Dropbox →256-bit SSL Encrypted
Text or Email Frank
Prefer to chat? Snap a photo of your statement and text or email it directly.
Our "Beat Your Rate" Promise
We will analyze your loan estimate for free. If we can't beat it, we will tell you honestly that you have a great deal. You have nothing to lose and thousands to gain.
Ready to move forward immediately?
If you know what you want and don't want to wait for a consultation, you can start your official secure application online.
Start Application
Frank Stiebel
President & Broker
Meet Your Refinance Expert
"A mortgage shouldn't be a burden you carry for 30 years—it should be a tool you manage to build wealth. My job is to find the loan that puts the most money back in your pocket, not the bank's."
Hello, I’m Frank Stiebel. As the founder of S.O.S. Loans, I have spent over three decades helping California homeowners navigate market shifts. I've seen rates at 18% and rates at 2%. Through every cycle, my goal remains the same: Get you the lowest cost of funds possible.
Unlike a retail bank loan officer who is restricted to one set of rates, I am a Wholesale Mortgage Broker. This means I work for you, shopping your loan across dozens of top-tier lenders (like United Wholesale Mortgage, Rocket Pro, and others) to force them to compete for your business.
Why Work With Me?
- No Junk Fees: I review every line of the Loan Estimate to eliminate unnecessary corporate markups.
- Speed & Certainty: We use cutting-edge tech to close loans in as little as 14 days, so you don't lose your rate lock.
- Honest Math: If refinancing doesn't make sense (e.g., the break-even period is too long), I will tell you to keep your current loan.