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Home Refinance

Change your home loan to match what you need now.


Consult With Our Loan Officer

First, we’ll get you on the phone with one of our licensed loan officers. They’ll ask you some basic questions to find out what you’re looking for. From there, they’ll determine the best path for you to take, whether that’s a pre-qualification, pre-approval, or mortgage application. Consult a Loan Officer 

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Get Octane® Access

Once we’ve connected you with a loan officer, they will email you a link to register your account and get Octane access. What’s Octane? Octane is our home loan platform that makes the process faster and easier.

Create an Action Plan With Us

Whether you need help negotiating a mortgage or buying a new home, Chen & Associates Mortgage can manage all your mortgage needs. My services will take the complications out of the process. You’ll be surprised by how easy your life becomes once we work together— contact me and find out how my services can help.

Complete Your To-Do List

Octane generates a personalized to-do list of all the remaining documents we’ll need from you. Don’t have everything all at once? No worries. You can sign into Octane and upload or e-sign your documents at your own pace. It’s secure and paperless so you can be confident that what’s private stays private.


Sit tight as we perform rigorous checks to ensure you’re getting the best refinance possible. Throughout the processing phase, you’ll be able to see your loan activity in Octane in real time. We’ll keep you up to date on where your loan is in the process every step of the way.



You’ll see an estimated closing date and your closing documents in Octane so you can review them at your convenience. Once the final papers are signed, you’ll have completed your home loan refinance! If you or anyone you know needs a mortgage lender in the future, give us a call.

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