Same balance. Better terms.
A rate and term refinance replaces your existing loan without pulling money out. You are trading one set of terms for another: a lower rate, a longer amortization, a fixed rate instead of an adjustable, or an exit from short-term money that is about to come due. No cash to the borrower, which is exactly why lenders price it better than a cash-out.
If you want money out, look at cash-out refinance instead. If you only want to fix the terms, this is the cheaper door.
Send us the scenario and we will tell you honestly whether it works, and which lender is the right home for it.
Buying the next one. Which program fits, how much you put down, and how fast you can close.
Qualify on your rental property's income, not your tax returns or W-2s.
Short-term bridge financing for non-owner-occupied renovation projects.
Multifamily, mixed-use, office, retail, and industrial investment property loans.
One loan across multiple doors. Consolidate a rental portfolio into a single closing and payment.
DSCR financing structured around short-term rental income.
Twelve or twenty-four months of deposits qualify self-employed borrowers.
Pull equity out of an investment property to fund your next acquisition.
Asset-based lending when speed matters more than conventional timelines.
Acquisition financing for raw land, entitled lots, land banking, and agricultural acreage.
Build new from the dirt up. Terms for first-time investors and seasoned builders.
Apartment buildings with 5 or more units, value-add or stabilized.
Purchase, refinance, expand or build for your church or ministry.
Invest in U.S. property without a Social Security number or U.S. credit.