Types
There are several different types of refinances available. Which one would be best for your situation depends on several factors. We will break down each type of refinance and help you decide what type will benefit you the most.
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Cashout
Refinancing with cash-out pays off the current original mortgage. This results in a new mortgage loan that may have different terms than your previous loan (i.e., you may have another form of loan, a different interest rate, and a longer or shorter repayment period)... read more >
Can I Withdraw Cash Without Refinancing?
How to Access Home Equity Without a Cash-Out Refinance If you need a large quantity of money, for home improvements or to consolidate high-interest...
Pros and Cons of Cash-Out Refinancing vs. Home Equity Loans
What Distinguishes a Home Equity Loan From a Cash-Out Refinance? The key distinction between a...
How to Leverage Your Home Equity During a Cash-Out Refinance
Turn Your Equity Into Cash Refinancing with cash-out substitutes your current mortgage with a new,...
Cash-Out Refinancing Requirements and Interest Rates for 2023: A Guide
What Is a Cash-Out Refinance? Cash-out refinancing involves the replacement of your current...
Conventional
A conventional loan is any mortgage loan that is not federally insured nor guaranteed (such as under the Federal Housing Administration, Department of Veterans Affairs, or Department of Agriculture loan programs)... read more >
HARP Replacement Programs: Refinance Alternatives for 2023
Programs to Replace HARP for Homeowners In response to the housing crisis, the Home Affordable Refinance Program (HARP) was formed to allow...
Guidelines and Rates for Conventional Refinancing in 2023
Reduce Your Interest Rate Using a Conventional Refinance Most people's largest financial...
FHA Loans
An FHA loan is a mortgage guaranteed by the Federal Housing Administration and backed by the federal government. FHA house loans demand lower minimum credit scores and down payments than conventional loans, making them popular among first-time buyers... read more >
FHA Streamline Refinance: 2023 Rates and Requirements
The FHA Streamline Refinancing Program If you have an existing FHA loan, the FHA Streamline Refinance is the most straightforward approach to obtain...
2023 FHA Cash-Out Refinancing Guidelines and Mortgage Rates
What Is an FHA Refinancing With Cash-Out? The FHA cash-out refinance allows you to refinance up to...
VA Loans
A VA loan is a mortgage option guaranteed by the federal government that is accessible to Veterans, military members, and surviving spouses. Private lenders, such as mortgage firms and banks, make VA loans, not the Department of Veterans Affairs. VA home loans provide reasonable interest rates and conditions and may be used to acquire a single-family residence, condominium, multi-unit property, mobile home, or new construction... read more >
2023 VA Cash-Out Refinancing Rates and Guidelines
Program for VA Cash-Out Refinancing The VA cash-out refinancing offers extraordinary advantages. It can enable you to access your whole home's...
VA IRRRL Guidelines and Rates: VA Streamline Refinance 2023
What is VA IRRRL? The VA IRRRL is an easy method to refinance your existing VA loan into one with...
USDA Loans
A USDA house loan is a mortgage with no down payment for qualifying rural borrowers. The United States Department of Agriculture provides USDA loans via the USDA loan program, often known as the USDA Rural Development Guaranteed Housing Loan Program... read more >
USDA’s Streamline Refinancing Program Is Now Offered in All Fifty States
USDA Mortgage Rates Are Lower Than Most The USDA housing loan has enabled millions of Americans to purchase houses in rural and suburban...
How to Refinance a USDA Mortgage
It Is Possible to Refinance a USDA Loan? The federal government backs USDA loans. USDA house loans...
Refinance to get rid of PMI
Your loan may be refinanced to eliminate PMI. To do this, your new mortgage debt must be 80% or less of your home's assessed worth... read more >
FHA Mortgage Insurance Cancellation: Eliminate PMI or MIP
How Can I Cancel My FHA-Insured Mortgage? The FHA mortgage insurance premium (MIP) is temporary, despite what you may have heard. Some homeowners...
How to Remove FHA MIP or Conventional PMI
Eliminate Your Premium Mortgage Insurance Permanently PMI is a significant expense for homeowners,...
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