Bad Credit – Home Mortgage - Refinance and Debt Consolidation Loan ScienceBlog.com, CA - Sep 16, 2008 Another popular benefits with a California refinance loan, many free up cash for major expenses or to consolidate high ... Once you obtain all these information, ask for the same information from other lending companies. In this way, you can start comparing the costs of each loan and decide which one has the best mortgage rate.