Consolidate debt: Combine high interest debt into a single monthly payment.
Take cash-out from your home: If you need cash for home improvements, debt consolidation or for other purposes, a cash-out refinance is a great loan option.
Refinance out of an ARM (adjustable rate mortgage): If your current loan has an adjustable rate, you can refinance into a fixed rate that will not change.
Eliminate your PMI: Refinance options that allow you to get rid of your monthly PMI payment once and for all.
Streamline your refinance. Streamline refinance programs are wonderful and they exist for all major loan programs (Conventional, FHA and VA). For example: If you are currently in a VA loan, VA’s streamline refinance (the “Interest Rate Reduction Loan”, commonly referred to as “IRRRL”) is our most popular loan program as it doesn't require any income, nor asset, documentation for most borrowers and there is no appraisal required. Further, Streamline refinances can typically close very quickly. These Streamline refinance programs exist for Conventional and FHA loans as well and offer many benefits.
Consolidate your debt and credit cards. One of the great benefits of refinancing your mortgage is that you may be able to payoff high-interest credit cards (or other debts). By rolling these debts into your mortgage, you will have a single payment that can save you hundreds of dollars each month.
No PMI. Some loan programs require a monthly PMI payment if you are above 80% loan-to-value, but we have many loan options that may allow you to refinance without having to pay a monthly PMI payment.
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