If you have been thinking about refinancing to improve your rate or getting cash out of your home. Refinancing with a cash out is a great solution to paying off your existing mortgage and getting money to be used for any other purpose, many times with little or no increase to your current payment.

Our objective is to be an authority in the area of mortgage loan program resource, mortgage loan program information, and guidelines, and ultimately, mortgage loan service; pre-qualify, pre-approve, originate, pre-qualify, pre-approve, Conditional Loan Approval (CLA), process, and close Non-QM; Non-Prime; Portfolio; Investor; and Foreign National loans, etc.

Non-QM Mortgages

A lot of our clients/borrowers are self-employed because of our wide non-qualified "Non-QM" mortgage product offering. Perhaps you found this website in your search for the best fit for you and your individual needs. If you are Self-Employed, you should take a look at these Alt Doc programs; Bank Statement ProgramsStated Income ProgramsNo Doc ProgramsAsset Depletion / Asset Utilization ProgramsLite Doc / Reduced Doc Programs.

Unconventional Refinance Loans

Rate & Term and Cash Out Refinance

An opportunity to reduce your rate and or term could be due to either cash-flow purposes or you have your eye on your over-all savings by paying it off in a shorter period of time.

If you are thinking about refinancing to either to reduce your interest rate and term one thing to consider is how old your current mortgage is because the longer you have been paying on it, the more principal balance you are paying down with every payment. This is because, with mortgage amortization, the interest is front-loaded. So, you might be better off keeping your current mortgage. However, if your motivation is to reduce your payment, a rate & term could make good sense. There are several factors to consider before making your decision.

Standard Things to Consider Before Refinancing.

The interest rate you are currently paying and the length of time you have been paying on. So, depending on where you are in the amortization schedule. It's dollars and sense say it might not be a good idea.

We offer refinance loans to improve your interest rate and or term. Consider the interest rate you are now paying before refinancing. Compare it to the current market interest rate to see how much you would save by mortgage refinancing. Use our free mortgage calculator to determine your new monthly payments.

Current Interest Rate

Check the current market interest rate. To get the benefits of a lower rate, you may have to pay fees associated with the loan, unless your lender is doing a no-fee loan. Before committing to a refinance, be sure you have discussed the fee options with your loan officer.

How Long you Will Live in your House

Check the current interest rate. To get the benefits of a lower rate, you may have to pay fees associated with the loan, unless your lender is doing a no-fee loan. When you are considering paying points to get a lower interest rate, consider how much money you are saving on a monthly basis along with how many months it would take to re-coop the cost of the points,


If you have several outstanding bills, you may want to consider refinancing your home and in turn, consolidating and paying off your other debts. If you have equity in your home, you may be able to access that equity through a "cash out" refinance.