Available Refinancing Options
Refinance with Conventional Loans
Fixed and ARM’s (Adjustable Rate Mortgage)
- Cash out and no cash out refinance options are available when refinancing with a conventional loan
- Max LTV (loan-to-value) up to 95% for fixed loans, 95% LTV (loan-to-value) on ARM’s, or adjustable rate mortgages
- Non occupying co-borrowers allowed
FHA Loans
- Up to 97.75% LTV (loan-to-value)
- FHA streamline program available. You can streamline refinance government-backed home loans — including mortgages through the FHA, VA, or USDA — but not conventional mortgages.
- Manual underwriting available for certain scenarios to help borrowers in unique scenarios.
- Credit scores as low as 500
Refinance with Renovation Loans
Conventional and 203k (FHA)
- Combine current mortgage payoff with renovation costs
- Renovation costs limited to 50% of estimated future value of the home
- Appliances and luxury items can be included in most cases
Refinance VA Loans
- The best VA loan terms in the industry!
- VA cash out refinance to 100% LTV
- VA interest rate reduction (IRRRL)
- VA funding fee waived if veteran is disabled (no minimum percentage)
- VA jumbo loans over $1 million
Second or Vacation Home Loans
- No rate bump. Same rate as primary residence
- Cash out up to 75% LTV
Investment Property Loans
Conventional and Conventional Renovation
- Up to 10 properties per borrower
- Market rent used as income for subject property even if subject in not rented
- Cash out on appraised value after 6 months from purchase
- Delayed Financing Option available within 6 months from purchase
