Refinance

There are many reasons to refinance your home; the most common include; rate & term reduction, debt consolidation, or cash out to later reinvest in an additional property or a home renovation. Read below for some basic refinance information or scroll down to our apply now button.

Rate & Term

Rate & term home loan refinances are refinance transaction that modify either the current mortgage interest rate or its term.

Monthly payments can be lowered by either taking advantage of low interest rates in the market or by modifying the term left on the home loan.

Simple rate & term refinances generally provide the consumer with the markets strongest pricing and interest rates.

Cash-Out

A Cash out home loan refinance is a refinance transaction where the home owner takes advantage of their existing home equity by increasing their current loan balance; the difference is then received back to the owner in cash for debt consolidation, home improvement, or other financial needs.

Generally Cash out transaction will be allowed to refinance up to 75% of their loan to value, but this can vary by lender.

Cash out transaction with a lower loan to value percentage will offer lower interest rates to the home owner.

FHA Streamline

The FHA Streamline refinance allows current FHA insured mortgages to be refinanced with limited documentation & credit requirements and generally provides a streamlined underwriting process.

These refinances must net the borrower a tangible benefit; improved interest rate or term for example.

Cash-out can not be received with a FHA streamline refinance.

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Refinance

Rate & term home loan refinances are refinance transaction that modify either the current mortgage interest rate or its term.

Monthly payments can be lowered by either taking advantage of low interest rates in the market or by modifying the term left on the home loan.

Simple rate & term refinances generally provide the consumer with the markets strongest pricing and interest rates.

A Cash out home loan refinance is a refinance transaction where the home owner takes advantage of their existing home equity by increasing their current loan balance; the difference is then received back to the owner in cash for debt consolidation, home improvement, or other financial needs.

Generally Cash out transaction will be allowed to refinance up to 75% of their loan to value, but this can vary by lender.

Cash out transaction with a lower loan to value percentage will offer lower interest rates to the home owner.

The FHA Streamline refinance allows current FHA insured mortgages to be refinanced with limited documentation & credit requirements and generally provides a streamlined underwriting process.

These refinances must net the borrower a tangible benefit; improved interest rate or term for example.

Cash-out can not be received with a FHA streamline refinance.

The Home Loans Company
1550 S. Anaheim Blvd. Suite D
Anaheim CA, 92805

(714) 729-HOME

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Refinance

Rate & term home loan refinances are refinance transaction that modify either the current mortgage interest rate or its term.

​​

Monthly payments can be lowered by either taking advantage of low interest rates in the market or by modifying the term left on the home loan.

​​

Simple rate & term refinances generally provide the consumer with the markets strongest pricing and interest rates.

A Cash out home loan refinance is a refinance transaction where the home owner takes advantage of their existing home equity by increasing their current loan balance; the difference is then received back to the owner in cash for debt consolidation, home improvement, or other financial needs.

​​

Generally Cash out transaction will be allowed to refinance up to 75% of their loan to value, but this can vary by lender.

​​

Cash out transaction with a lower loan to value percentage will offer lower interest rates to the home owner.

The FHA Streamline refinance allows current FHA insured mortgages to be refinanced with limited documentation & credit requirements and generally provides a streamlined underwriting process.

​​

These refinances must net the borrower a tangible benefit; improved interest rate or term for example.

​​

Cash-out can not be received with a FHA streamline refinance.