Refinance
There are different types of mortgage products you can use to refinance a home. Here are some of the ways we can help.
Rates: High Advantages: All cash offers, can buy properties with significant damage, close fast with little hassle Ideal for: Investors, developers, rehabbers, bankruptcy FICO: No FICO options Max Loan to Value (LTV): 70%
Hard Money
Rates: Medium Advantages: No income and no FICO options with better rates than hard money Ideal for: Alternative income earners, investors FICO: No FICO options Max Loan to Value (LTV): 80%
Non-QM
Rates: Lowest Advantages: Lowest interest rate/lowest monthly payment, can remove mortgage insurance premium (MIP) early Ideal for: Primary and secondary homeowners and investors with equity seeking a lower monthly payment FICO: 620 and above Max Loan to Value (LTV): 80%
Rate/Term
Rates: Low Advantages: Best interest rate for taking cash out of equity Ideal for: Primary and secondary homeowners and investors with equity seeking the best rate to borrow cash FICO: 620 and above Max Loan to Value (LTV): 75%
Cash-out
Rates: High Advantages: Draw money as needed, (only recommended when cash-out is not possible) Ideal for: Borrowers who cannot qualify for a cash-out refinance FICO: 680 and above Max Loan to Value (LTV): 90%
Home Equity Line of Credit (HELOC)
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