Refinance & Home Equity
Restructure your mortgage, or put your equity to work
Refinancing is a tool, not a goal. Each option below explains who it may benefit, how it generally works, what to weigh against it, and which calculator to use before deciding.
Bank Statement Mortgages
Qualify with business or personal deposits instead of tax return net income.
Learn more Loan programDSCR Loans
Investment property financing qualified on rent, not personal income.
Learn more Loan programHELOC
A revolving line of credit secured by the equity in your home.
Learn more Financing strategyUltimate HELOC
An all in one line of credit used as both a checking hub and a mortgage payoff tool.
Learn more Loan programCash Out Refinance
Replace your mortgage with a larger one and take the difference in cash.
Learn more Financing strategyRate and Term Refinance
Change your rate, your term, or your loan type without taking cash out.
Learn more Financing strategyDebt Consolidation
Use home equity to combine higher rate balances into one payment.
Learn more Financing strategyRemoving Mortgage Insurance
Options for ending monthly mortgage insurance when you have enough equity.
Learn more Financing strategyInvestment Property Refinance
Restructure or pull equity from rental property you already own.
Learn more Loan programReverse Mortgage
For eligible older borrowers: purchase, refinance or access equity without a required monthly principal and interest payment.
Learn more Loan programRenovation Loans
Finance the purchase or refinance plus the improvements in one mortgage.
Learn moreFrequently Asked Questions
Wondering if a refinance helps you?
We will model the options against your actual balance, rate and timeline. No guarantee of savings or approval.