Sara Barcia is a going to whom put on SoFi, Laurel Road, and you may Very first Republic. She refinanced initially having SoFi, but with First Republic for less rates, while they note they expected 10% of your own loan amount (20% in the event the mutual ownership) in either cash or family guarantee so you’re able to refinance with Basic Republic. 9% since she “requisite the lower minimal commission however, if We destroyed my personal jobs while i build-up an urgent situation financing.