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Rate & Term Refinance
A rate & term refinance replaces your current loan with one that has a better rate, different term, or improved structure — without pulling additional cash out.
Best Fit
Who This Program Is For
Investors with properties on higher-rate loans
Borrowers looking to lower monthly payments
Properties transitioning from short-term to permanent financing
Investors wanting to adjust loan terms
Qualification
How Qualification Works
Current property appraisal
Existing loan payoff statement
DSCR or income-based qualification
Title and insurance updates
Key Benefits
Lower your interest rate
Reduce monthly payments
Transition from short-term to long-term financing
DSCR and conventional qualification available
Key Considerations
Closing costs apply
Seasoning requirements may apply
Property appraisal required
Break-even analysis recommended
Process
How It Works
STEP 01
Rate Analysis
We compare your current terms to available options.
STEP 02
Loan Selection
Choose the product that best improves your position.
STEP 03
Documentation
Streamlined process focused on the property and existing debt.
STEP 04
Closing
Close and begin benefiting from improved terms.
FAQ
Frequently Asked Questions
Ready to Explore Rate & Term Refinance?
Talk with an advisor who can walk you through qualification, terms, and next steps for your specific deal.