Options for Refinancing your home

• Rate & Term Refinance

• Cash-Out Refinance

• HELOC / Second Mortgage

• Investment Property Refinance

• Alternative Income Refinance

 

Why Refinance?

Refinancing can be a helpful tool when your financial needs or goals have changed. Homeowners often refinance to lower their monthly payment, reduce interest over time, consolidate higher-interest debt, access equity for major expenses, or adjust the loan term to better fit their long-term plans. The right refinance isn’t just about today’s rate. It’s about whether the new structure improves your overall financial picture.

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How Refinance Options Work

• Rate & Term Refinance: Lower your rate or loan term without increasing the loan balance

• Cash-Out Refinance: Replaces your loan and provides cash at closing

• HELOC / Second Mortgage: Uses equity without refinancing your first mortgage

• Investment Property Refinance: Applies to rental and non-owner-occupied properties

• Alternative Income Refinance: Uses non-traditional income documentation