Refinance Loan Programs

What’s Available?

Cash-Out Refinance

This loan program was created to allow borrowers to get cash for the equity accumulated in their already owned home. Cash-Out Refinances take the new loan, and use that to pay off the old loan, resulting in the borrower getting the difference of the two loans in cash.


VA Interest Rate Reduction Refinance Loans are simple, low cost loans for veterans, service members, or their spouses. This program is only for those who already have a VA loan. VA Refinances can lower your mortgage interest rate, which in turn reduces the mortgage payment.

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Rate and Term

This program allows for a change in interest rate without having to use new money. Driven by a decrease in market interest rates, this program allows for you to achieve lower mortgage payments and a more favorable mortgage term.

FHA Streamline

FHA Streamline loans are refinances on already existing FHA loans. This program was created to make it easier for borrowers to achieve their refinances. There is less paperwork needed for this loan and it is the easiest way to get a lower rate and a lower monthly payment.