Refinance Products


This mortgage product is design for homeowners who have built equity in the property and want to take cash out to take care of concerns such as paying off debt, funding school, or making home improvements.

Benefits & Features

  • No Reserves Required.
  • Closing cost can be financed into the new loan.
  • Maximum amount allowed to refinance is 85% of the loan-to-value.


  • Minimum Fico Credit Score starting at 580.
  • The mortgage to be refinanced must be current (not delinquent).
  • The home must be owner-occupied, not used as investment property.
  • The homeowner should have owned the home for the past 12 months.


The loan process many times boils down to what you can afford. A good way to check your potential finances is to utilize a monthly payment calculator such as the one found here with Ready Mortgage Lenders.

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