Refinancing 

We can help you lock in a long-term fixed rate and get out of your ARM.

Did you know, you can change the terms of your current loan to maximize your monthly income? By lowering your monthly mortgage payments can create the perfect opportunity to use the leftover cash for investments, savings or maybe a nice family vacation. So when rates are favorable, stop paying more than you have to and keep the freed up cash in your pocket. Below are some of the refinance options available.

Cash Out Refinancing

This type of loan refers to refinancing where the borrower(s) can borrow money based on the value of their own home. A cash out of up to 85% of the property value for conventional and FHA programs, and up to 100% of the property value on a VA loan. 

VA Interest Rate Reduction Refinance (IRRRL)

You may be able to refinance your existing VA loan at a lower interest rate which can reduce your principal and interest payments.

Available Terms:

  • Appraisal may not be required for Eligible Properties
  • No income or asset verification
  • Low credit score requirement
  • 1- to 4-unit properties
  • 10-, 15-, 20-, 25-, and 30-year fixed-rate options
  • 3/1 or 5/1 ARM options Features and Benefits
  • Condominiums
  • Planned Unit Development (PUDs)

FHA Streamline Refinance Loans

Those who currently have a Federal Housing Administration (FHA) loan, may be eligible for one of the simplest money-saving refinances available. The FHA Streamline Refinance makes it easy for existing FHA borrowers to reduce their interest rate without the need for a complicated loan process.

  • Lower monthly principal and interest payments
  • No income verification for non-credit qualified streamlines
  • Option to refinance without an appraisal
  • Subordinate financing may remain in place

What are the benefits?

Finally have the cash you need to pay off your debts or upcoming expenses by borrowing based on the value of your own home. Refinancing can also provide you with a better mortgage interest rate that will lower your monthly mortgage payments. 

  • Make home improvements
  • Get extra cash
  • Enjoy a stable interest rate alternative to a home equity line of credit
  • And much more

How can we help?

Use our refinance calculator will to help you decide if it is beneficial to refinance your current mortgage at the current interest rate. This calculator will calculate the monthly payment, net interest savings, and the time it will break even on the closing costs

Benefits:

Reduce your interest rate

Cash out equity for home improvements

Consolidate debt 

Lower Monthly Payments 

To Refinance you'll need: 

Current appraisal and analysis

Verification of assets and income

Up Next:

The Home Affordable Refinance Program (HARP) was created by the Federal Housing Finance Agency in March 2009 to allow those with a loan-to-value ratio exceeding 80% to refinance without also paying for mortgage insurance...

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