Home Refinance

With interest rates at multi-year highs, refinancing today is usually more about addressing a particular need than about the opportunity to reduce the interest rate and payment.  Common reasons for refinancing today include …

  • Tap equity to fund unexpected large expenses.

  • Debt consolidation to reduce high payments.

  • Home Equity Line of Credit payment going up as the loan enters the repayment period.

  • Adjustable Rate Mortgage (ARM) with increasing interest rate and payment.

I will provide financing options showing the home loan programs best suited to your goals and needs.  Equipped with good information, you will be able to make a wise informed decision about refinancing.

Home Refinance Loans

Traditional Financing

  • Conventional

  • FHA

  • VA

  • USDA

  • Jumbo

Non-Traditional Financing

  • Interest Only

  • 40-Year Term

  • Alt-Doc for strong buyers who don’t look good on paper.

  • Asset Utlization / Asset Depletion for qualifying on personal assets.

C2 Financial’s large lender network provides a wide array of loan programs including many not shown here. Contact me for specifics on the right loan for your scenario.

Home Refinance Process

  • Discovery & Plan

    We discuss your refinance goals and qualifications for financing. Then, I provide financing options for your review and consideration. This process may include refining your refinance goals and financing options.

  • Application & Underwriting

    Your application is opened including documentation and a credit report. Your application package is submitted for underwriting approval.

  • Closing & Funding

    After final loan approval, closing documents are signed. Your new mortgage funds with any cash from the refinance delivered to you within a few days.

Mortgage Tools for Refinance

Tools are provided for estimation purposes and are not guaranteed to be accurate nor applicable to a borrower’s specific scenario.

* Use to compare your current loan to a new loan without debt consolidation. For debt consolidation comparison, please contact me.