Looking for a Non-QM refinance?

When you refinance your home, you are essentially replacing your original mortgage with a new one. Refinancing may offer one or more benefits:

  • The ability to cash out your home’s equity
  • Lower your monthly mortgage payment
  • Extend or shorten your loan term

Licensed in all 50 states, our home refinance solutions make getting approved easy.

Let us help you unlock all the possibilities today!                  

Is qualifying for a Non-QM refinance difficult?

Using a customized approach and guidelines that make sense, we are able to get people approved when other lenders can’t or won’t. Our Non-QM refinances allow you to use non-traditional income documentation like your businesses profit & loss statement, bank statements, seasoned liquid assets, tax returns, or a combination of all the above. In addition, our mortgage refinance program provides more leniency on your debt-to-income ratio allowing your total debts to equal up to 55% of your income vs. the 43% allowed by traditional lenders. If you have been turned down for a refinance by another lender, take the next step and get in touch with us.

 

 

Common Reasons to Refinance

While everyone’s reason is different, refinancing your home could help you now and in the future!

 

Home Improvements

Tapping into the equity of your home can be a great way to fund home improvements/repairs. So whether you are dreaming of a new kitchen, want to expand your deck to entertain, need a new roof or HVAC system, a mortgage refinance could be the solution.

Payoff debt

Pulling equity out of your home could allow you to pay off other debts such as high interest rate credit cards, personal loans or other debt can help you reduce your total monthly expenses and help you save money.

 

 

Life’s Moments

From medical emergencies to paying for a child’s college education, tapping into the equity you have built in your home can help you navigate life’s important moments.

Does a refinance make sense for you?

Before you jump in to refinance your mortgage, it’s a good idea to speak with a licensed mortgage loan officer. Through a consultative conversation, your loan officer will help you uncover refinance options that are right for you, providing you with options to help you decide if refinancing will satisfy what it is you are hoping to accomplish. Here are some examples of the types of questions you may hear during your conversation:

Will paying off high interest credit card debt with the equity in your home actually lower your total monthly payments?

Will extending your mortgage decrease the monthly payment?

Does your current mortgage loan have a balloon payment coming due or did you finance it on an ARM that’s about to expire?

 

 

Non-QM Mortgage Refinance

Begin your refinance journey with confidence