We will go over what you want to achieve by refinancing? A lower monthly payment? Lower interest payment? Leverage your home equity to buy a vacation home or a rental property? Receive extra money for a construction project? Get cash to pay off debt? Or simply get cash to spend? Understanding your financial goals will assist you in determining the best refinancing loan for you.

Schedule a Free Consultation

We’ll have a free strategy session to talk through your goals, discuss the refinance process and ideal options for moving forward. As well as answer any questions and or concerns you may have.

Our loan application is done online and is very simple and straightforward. But if you need assistance, we’re happy to help!

Gather all of the necessary documents to proceed with the refinance.

We’ll work together to determine the best mortgage product for you.

Unlike other companies, we understand that many people don’t like to run a credit check, especially if it can be avoided. We’re different. First, we’ll verify your eligibility. Once we’ve covered the basics, and you meet the criteria to be a good refinance candidate, we’ll pull your credit report, finalizing your qualification to refinance.

After applying for your mortgage, you’ll receive your loan estimate. This document explains your estimated interest rate, monthly payment, closing costs for your loan, and other important loan details

Once we have all the necessary paperwork and have completed the necessary prequalification steps, we’ll submit your file to the best suited lender for you. Then, the lender will begin carefully processing and verifying your documents to issue an initial approval.

If you meet the initial requirements, the lender will issue a conditional approval, which means you’re approved as long as you provide further requested documentation. We will work with you to gather any documents requested from third parties on your behalf and explain which documents are required to be provided by you and how to acquire them.

The property will need to be appraised to assess its current value. We will order the appraisal through a third party. Once the appraisal is ordered you will receive a link via email to pay for the appraisal; after the payment is made the assigned appraiser will reach out to you in order to schedule a time and gain access to the property to conduct the appraisal.

The Closing Disclosure will be provided to you about three business days before closing or even prior. It gives you final details about your refinanced loan, including loan terms, your estimated monthly payments, and other important loan terms.

You’re in the home stretch! The underwriter will issue a final approval, which means were cleared and ready to close.

You’ll meet with a public notary or a lawyer to sign the final loan documents. Once the loan is finalized, your new lender will pay off your old mortgage and your new loan will go into effect.

Congratulations! You’ve successfully refinanced your mortgage.