Refinancing your home loan when starting a family


Changing the terms of your loan can benefit you and maximize your monthly income. A lower monthly mortgage payment can help free-up money, invest or use for other expenses. When rates are favorable, refinancing to a lower rate or longer-term mortgage can keep more money in your pocket every month. Please find the different types of refinance programs available to you. 


Use our easy Quick Quote on the right, to help you see if refinancing can save you money. You can also fill out our short application to see what rate you qualify for and obtain a pre-approval letter. Of course you can always call and speak to one of our loan consultants.


Cash Out Refinancing

Cashing out refers to the refinancing of a loan where the borrowers will borrow money on their own home. You can cash out up to 85% of the property value on conventional & FHA programs, and up to 100% on a VA loan.


VA Interest Rate Reduction Refinance (IRRRL)

With the VA IRRRL, you may be able to refinance your existing VA-guaranteed loan at a lower rate—reducing your principal and interest payments


Available Terms:

  • 10-, 15-, 20-, 25-, and 30-year fixed-rate options

  • 3/1 or 5/1 ARM options Features and Benefits

  • No income or asset verification

  • Low credit score requirement

  • Appraisal may not be required for Eligible Properties

  • 1- to 4-unit properties

  • Planned Unit Development (PUDs)

  • Condominiums


FHA Streamline Refinance loans.

If you currently have a Federal Housing Administration (FHA) loan, you may be eligible for one of the simplest money-saving refinances available today. The FHA Streamline Refinance allows existing FHA borrowers to reduce their interest rate without having to jump through hoops.

  • Lower monthly principal and interest payments

  • No income verification for non-credit qualified streamlines

  • Option to refinance without an appraisal

  • Subordinate financing may remain in place


What are the benefits?

You can obtain cash on the value of your own home to pay off your debts or any upcoming expenses. By refinancing can also provide you with a better mortgage interest rate that will save on your monthly mortgage payments.

  • Make home improvements.

  • Get extra cash.

  • Enjoy a stable interest rate alterative to a home equity line of credit.

  • And much more.


How can we help?

Our refinance calculator will help you decide whether or not you should refinance your current mortgage at a lower interest rate. This calculator will calculate the monthly payment, net interest savings, and the time it will break even on the closing costs.



Reduce Your Interest Rate
Cash Out Equity for Home Improvements
Consolidate Debt

Lower Monthly Payments

To Refinance You'll Need:

Current Appraisal and Analysis
Verification of Assets and Income

Click Here to Apply Now
Click Here To See Paperwork Needed

Questions? Call us today.
888-HOME1ST (888-466-3178)