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David & Stephanie Cramm, Mortgage Loan Originators NMLS #565968 and #243972. Working with Xpert Home Lending is a Real Estate Broker Licensed by the California Department of Real Estate DRE #02166758 NMLS: 2179191. Equal Housing Lender. Refinancing an existing loan may result in the total finance charges being higher over the life of the loan. Make sure you understand the features associated with the loan program you choose, and that it meets your unique financial needs. Subject to Debt-to-Income and Underwriting requirements. This is not a credit decision or a commitment to lend. Eligibility is subject to completion of an application and verification of home ownership, occupancy, title, income, employment, credit, home value, collateral, and underwriting requirements. Not all programs are available in all areas. Offers may vary and are subject to change at any time without notice. Refinancing an existing loan may result in the total finance charges being higher over the life of the loan.