Alex Covarrubias | Loan Officer

NMLS# 253978

DRE# 01257107 

Direct: (760) 707-2085

Speaks: English and Spanish

Extra Payment Mortgage Refinance Calculator

See if you should refinance your mortgage. Enter the details of your current home loan along with details of a new loan to estimate your savings and see if refinancing is right for you!

Current Mortgage
New Mortgage
Loan Amount
Interest Rate
Loan Term
Start of Payment
Extra Principal Payment

Refinance Saving

per month
Lifetime Savings
New Payment
Payoff Period
Calculator By: Choice Home Mortgage
About Me

I have been a Loan Agent for 22 years. Over the course of my experience in this industry, I have helped people qualify for loans with a variety of credit scenarios from one end of the spectrum to the other. I think with an open mind, and my end goal is making it a win-win situation for everyone involved.

I’m happily married and have 3 beautiful children. We currently live in the beautiful city of Carlsbad, and are excited about the new opportunities and adventures to come.

The Alex Covarrubias – Equity Smart Home Loans team is committed to providing clients with the highest quality financial services, combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one-on-one to ensure that you get a financial solution that is tailored to meet your financial needs. Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of loan officers can help you find the right loan program at the lowest rate, no matter what your needs are.

The goal here at Alex Covarrubias – Equity Smart Home Loans is to create lasting relationships with each and every client, and to continue providing excellent service for many years to come. Unlike many of the larger nationwide mortgage companies that are out there, all your information will be kept secure and private with us. The Alex Covarrubias – Equity Smart name is trusted throughout the community. To speak directly with an experienced mortgage professional, simply give us a call anytime or feel free to utilize any of the interactive tools offered throughout our website. Our experienced professionals look forward to working with you.

The Alex Covarrubias – Equity Smart Home Loans Team is your premiere mortgage team located in Carlsbad, California. We pride ourselves on offering some of the lowest rates nationwide and make the loan process simple, straightforward, and fast for borrowers seeking a mortgage in the Carlsbad area.

Whether you are a first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, the highly experienced team of mortgage brokers here can help you take that first step toward a financial solution.

Alex Covarrubias – Equity Smart Home Loans
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