Ready To ?

SO MANY REASONS TO REFINANCE...WHAT'S YOURS?

People refinance for a number of reasons: lower payments, need cash for improvements or consolidated debt.
We’ll help make the process simple for you.

I WANT TO LOWER MY MONTHLY PAYMENTS

With today’s low rates, you can refinance into a lower payment and save your hard-earned cash for other needs—like a child’s college education or your retirement fund.

I NEED CASH FOR HOME IMPROVEMENTS

Remodeling your kitchen or installing a new deck is a great way to get more enjoyment out of your home while increasing its value. Our refinance loans enable you to unlock your home’s equity.

I WANT TO ELIMINATE PMI

If you have built up more than 22% equity in your home, refinancing is an excellent way to stop having to pay private mortgage insurance while lowering your monthly payments even further.

I WANT A SHORTER LOAN TERM

Paying off your home faster means more money later for retirement, travel, or other needs. Many options are available, including 10-year, 15-year, or 20-year loans.

I WANT TO CONSOLIDATE DATE

By refinancing, you can shrink your multiple credit bills and car loans into a single monthly payment—and make your life much simpler.

MY REASON ISN'T LISTED

Let’s talk. Whatever your reason, we’ll help you find the right mortgage program to suit your specific needs.

Documents Required For Refinancing

Proof of Homeowners Insurance

Bring in a copy of your Homeowners Insurance. It’s important to verify you have sufficient coverage.

Asset Information

Statements from various accounts where you have cash or investments.

Proof of Recent Income

Most recent 30 days of pay stubs showing year-to-date income.

Tax Returns

Copies of tax returns are required to verify past income history.

Statement of Outstanding Debts

A detailed list of your current outstanding financial obligations.

Driver's License

Well, because we need a pretty picture of you.

Our Most Popular Loans

FHA

The Federal Housing Administration (FHA) loan program offers a great opportunity for buyers with less-than-perfect credit to get into a home or refinance their current home. FHA-insured loans allow consumers with lower credit scores, a smaller down payment, and higher debt-to-income ratios to qualify.

Conventional

Those with good credit and the funds for a larger down payment may be better served by a conventional loan. Borrowers can avoid paying the upfront mortgage insurance and possibly the monthly mortgage insurance of an FHA loan. Plus, conventional loans do not require private mortgage insurance (PMI) if you have 20% or more to put down.

VA

Active or retired military? You may qualify for 100% financing with a VA loan guaranteed by the U. S. Department of Veterans Affairs—and you won’t need mortgage insurance. We’ve helped thousands of Veterans, active service members, and their families take advantage of their earned VA benefits so they can buy or refinance homes with little or no money down.

USDA RD

Borrowers looking to buy or refinance a home in eligible rural areas may qualify for a USDA Rural Development (RD) guaranteed mortgage with no down payment and zero out-of-pocket costs. These loans were specifically designed for low- and moderate-income borrowers in designated rural areas. Income and other restrictions may apply.