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3. Interest rates are on the down swing and thus it is the right time to either go for fixed rate of interest for the loans or one can have a refinance at a lower adjustable interest rate. Presently California is among one of the most affordable States and thus one can have assess to the California specialists who are doing only one thing and that is california mortgage refinancing and without any doubt it can be guaranteed that one will be in safe hands with them as they have been in business for past 16 years.