The answer to your question is, YES you can refinance into a lower fix rate on a 15, 20 or 30 year term without an appraisal being completed on your home in Rancho Cucamonga, CA.
Check to see if your home is owned by Fannie Mae at Fannie Mae Loan Look Up and Freddie Mac at Freddie Mac Loan Look Up, please let me know if you need assistance with this. If your loan is owned by one of these two GSEs, then you if you qualify, you are able to refinance your current loan into a lower fix rate without having an appraisal completed on your home and the best part, no monthly mortgage insurance.
Image what you can do with the savings you will see by refinancing your home; pay off debt, trip at Thanksgiving or Christmas, vacation, new car, remodel a kitchen, etc.
The best part is, if you do not like the program, then just continue on with your current payment, but I can not image if there is a benefit, you would not proceed. It does not hurt to explore to see what I can do for you on a refinance. I welcome the opportunity to review your paperwork and see what your savings can be.
Lets get started and skip a mortgage payment during the holidays.