Magic loan in California????

[Jacob Villalobos]

Anyone have a bank or lender that can refi a home in Southern California without a seasoning period? I bought a super deal(thi but I am having a hard time getting someone to do a cash out refi that is not at HM rates.

Suggestions?

[Geordy Rostad]

@Jacob Villalobos

Have you checked the smallest of banks such as locals with only a few branches and credit unions? Those are the "magic banks" because they do a much higher percentage of portfolio loans so they can make their own rules.

Maybe start with Bank of Whittier? I checked their website, they look totally old school. Might be just the right sort of place.