🔁🏡 Refinance — Make Your Mortgage Work Smarter • Lower your interest rate • Reduce your monthly payment • Remove PMI when eligible • Switch ARM to fixed • Access better terms as equity grows Refinancing isn’t about starting over — it’s about optimizing what you already have. At The Onyx Group Mortgage, we analyze your current loan and guide you toward the smartest refinance strategy for your goals. 📲 Apply now: https://onyxgroupmortgage.com/loan-application 📞 Call/Text: (949) 396-1204 🎯 Fre