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Our Mortgage Process From start to finish, our Loan Advisors have the expertise to help you every step of the way. Learn about what each step of the mortgage process involves here. Ready to get started? Want to speak to a Loan Advisor? Refinancing Guide Most likely you are considering refinancing your mortgage because you are looking to save money. Read helpful tips on the refinance process and learn more to answer the question, “Should I refinance?” Mortgage Programs From a 30-year conforming to a 15-year fixed to a 5/1 arm, there’s a wide variety of loan programs to choose from. Lucidia’s Mortgage Advisors can help you find just the right one for you. Find out more about each of our programs here. Search Current Rates Tap into the most up-to-date interest rates. Get Rate Updates Be notified when interest rates meet your desired rate. Refinance Calculator When should you refinance? Our refinance calculator can help you weigh out a variety of variables to help you make a smart decision. Debt Consolidation Calculator By using the equity in your home, you may be able to consolidate your debts and save money. This calculator will help you quickly find out. Qualification Calculator Want to know how much you qualify for? Use our calculator to find out just how much you’ll qualify for when financing your home. Mortgage Payment Calculator After you’ve determined how much home you can afford, the mortgage payment calculator will help you know what your payments will be over the course of the loan. Accelerated Payoff Calculator See how much interest you can save and how much time you can shave off your mortgage by making pre-payments to principle.

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