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Refinancing a home a may be a great financial decision. One of our Licensed Loan Originators can help you make an informed refinancing decision. Regardless of your reasons for wanting to refinance your existing mortgage, an experienced Loan Originator can help you determine if a refinance is right for you.

  • Lower your interest rate and/or monthly payment* - This can make a big difference in your monthly out-of-pocket costs for housing and save money spent on interest costs.
  • Build equity faster - Income changes may allow you the flexibility of making a higher payment.  If this is the case, you may want to switch from a 30-year loan program to a 15- or 20-year loan program. This enables you to build equity faster and save money on interest costs.
  • Change your loan program - Homeowners who currently have an adjustable rate mortgage (ARM) and find their interest rate climbing may benefit by switching to a fixed rate program.
  • Take advantage of improved credit score - If your credit score has improved, you may be able to lower your interest rate and/or monthly payment.
  • Use the equity you have established - A cash-out refinance allows you to tap into the equity you have built up in your home. Common reasons to obtain a cash-out refinance are: to pay off debt, send a child to college, or use the money for home improvements.

*By refinancing an existing loan, your total finance charges may be higher over the life of the loan.


Conventional loans are not insured by the FHA or VA. Usually, these are a good option for homebuyers with strong credit history and stable employment status.

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HomeStyle® Renovation

A HomeStyle® Renovation Mortgage allows for the financing equal or up to 50% of your property's post-renovation value and is available for new and existing homes.

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HomeReady® is a Fannie Mae loan program that is designed to help buyers with low to moderate incomes attain their home ownership goals.

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Home Affordable Refinance Program (HARP)

The Home Affordable Refinance Program (HARP) is available to homeowners who are current on a mortgage that is owned by either Fannie Mae or Freddie Mac and owe as much if not more than their home is worth.

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High Balance/Super Conforming

High Balance/Super Conforming mortgage programs provide lower mortgage financing costs to borrowers who are located in the country’s highest cost areas.

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FHA mortgages are a great option for homebuyers looking for a mortgage program with lower down payment options and flexible qualifying guidelines.

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A VA mortgage is a valuable benefit for qualifying military veterans and active servicemen and women. They program offers no down payment options with flexible qualification guidelines.

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Energy Efficient Mortgage (EEM)

Include the cost of add energy efficient improvements with an Energy Efficient Mortgage.

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FHA 203k Renovation

An FHA 203k mortgage allows buyers to borrow the funds for both the purchase and renovation of a home giving the availability or renovating without the need for a second loan.

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FHA 203k Streamline

An FHA 203k Streamline in allows for the purchase or refinance of properties that do not require structural changes and will not exceed a total of $35,000.

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FHA Streamline Refinance

Current FHA mortgage holders may benefit from refinancing options available with a FHA Streamline.

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VA Streamline Refinance

Current VA mortgage holders may benefit from refinancing options available with a VA Streamline.

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A USDA mortgage is a great option for borrowers looking to finance a home in eligible rural areas. It is ideal for those seeking financing with no down payment and liberal qualifying guidelines.

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Jumbo Mortgages are loans that exceed the conforming loan limits. Jumbos are ideal for the purchase of a higher priced or luxury home.

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85% No PMI

This Jumbo mortgage gives a borrower the ability to finance a primary residence with less of a down payment than a typical Jumbo and no PMI.

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