🔁 Refinance Your Mortgage
“Lower your payment. Access equity. Restructure your loan — all without moving.”
📘 Why Refinance?
Refinancing means replacing your current mortgage with a new one — and it can serve several goals:
-
🔽 Lower your interest rate and monthly payment
-
🧾 Change your loan term or type
-
💰 Pull cash out from your home equity
-
🎯 Remove mortgage insurance (like PMI or MIP)
-
🔄 Convert an adjustable-rate mortgage (ARM) to a fixed-rate loan
-
💼 Restructure due to divorce, life change, or financial shift
🧭 Types of Refinance Loans
🔄 Rate-and-Term Refinance
Refinance your current mortgage to a lower rate, shorter term, or different loan type — without pulling cash out.
Great for:
-
Saving on interest
-
Locking in a fixed rate
-
Paying off your home faster
💰 Cash-Out Refinance
Access your equity and walk away with funds for debt consolidation, renovations, or major expenses.
Learn more about Cash-Out Refinancing →
⚡ Streamline Refinance Options
For FHA, VA, and USDA loan holders — refinance with limited paperwork, no appraisal, and simplified income review.
🏡 Refinance by Loan Program
| Loan Type | Learn More |
|---|---|
| ✅ Conventional Refinance | Remove PMI or lower your payment |
| ✅ FHA Refinance | Flexible credit, streamline eligible |
| ✅ VA Refinance | No PMI, IRRRL available |
| ✅ Non-QM Refinance | Bank statement, asset-based, DSCR |
| ✅ DSCR Investment Refi | No income docs — property qualifies |
📉 Lower Your Payment Without the Hassle
Many homeowners refinance just to lower their payment or lock in a fixed rate. Some benefits:
-
✅ Eliminate PMI once you hit 20% equity
-
✅ Move from FHA to Conventional to remove mortgage insurance
-
✅ Restructure your loan without resetting the clock (ex: 25-year loan)
Explore Our Lower Payment Options →
🧠 Common Refinance Questions
Can I refinance with bad credit?
Yes — programs like FHA Streamline or non-QM loans may work even with lower scores.
How soon can I refinance?
Conventional loans typically require 6 months; FHA/VA may have additional rules.
Do I need to re-qualify fully?
Not always. Streamline options often skip appraisal and income re-verification.
What’s the difference between cash-out and HELOC?
A cash-out refinance replaces your loan. A HELOC is a second loan.
Compare both here →
🔗 Related Pages
| Refinance Type | Best For | Learn More |
|---|---|---|
| Conventional Refinance | Removing PMI, better rates, stable terms | Conventional Refinance |
| FHA Refinance | Flexible credit, streamline options | FHA Refinance |
| VA IRRRL or Cash-Out | Eligible veterans, 0% down, fast closings | VA Refinance |
| Non-QM Refinance | Self-employed, no W-2s or tax returns | Non-QM Refinance |
| DSCR Investment Refi | Rental property owners qualifying by rent | Investor Refinance |
📞 Ready to Explore Your Refi Options?
We’ll help you compare rates, terms, and strategies — whether your goal is to save money, access cash, or simplify.
🔵 [Start My Refinance]
📞 [Speak to a Loan Expert]
🔒 Disclosure
This is not a commitment to lend. All refinance loans are subject to credit approval, property eligibility, and program guidelines. Not all applicants will qualify. Additional terms and conditions may apply.