Investing & Debt Consolidation

Refinance | Cash Out

Getting a new mortgage to replace the original is called refinancing. Refinancing is done for several reasons; to consolidate debt or reduce the number of years financed on the loan, but the most common is to obtain a better interest rate to lower your payment.

Making Plans

Mortgage refinancing requires you to qualify for the loan. You file an application go through the underwriting process and go to closing, as you did when you bought the home. It’s important to know that the total financed charges may be higher over the life of the mortgage loan.

You can refinance your current mortgage with one of our many loan options.

Conventional Refinance

  • Replace your adjustable-rate mortgage (ARM) with a fixed-rate mortgage
  • Conventional refinances can be used for primary residence, second home, or investment
  • Cash-out/debt consolidation
  • For a property investor this is an excellent way to remove equity from existing properties to purchase additional ones
  • Cancel FHA or USDA mortgage insurance
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Streamline Refinance

  • Government-backed mortgages, like FHA, VA or USDA, may be eligible for a refinance program
  • The FHA streamline refinance program allows the borrower to refinance to a lower rate more quickly and more financing options
  • All occupancy types, sometimes no need for appraisal and fewer documents to refinance
  • The streamline options save the borrower time and money, 10-30 Year Fixed Terms
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Cash-Out Refinance

  • Taking a mortgage for more than you owe on your current loan, to withdraw the difference in cash
  • Borrowing cash against the equity of your house
  • 20% equity needed to qualify for a conventional or FHA cash-out refinance
  • Only 10% equity needed for a VA cash-out refinance, USDA program doesn’t allow cash-out transactions
  • The cash can be used to remodel your home, invest on another property and/or consolidate debt
Apply Now
TONY DIAZ
TONY DIAZREALTOR
MEET REALTOR TONY DIAZ, YOUR REALTOR FOR LIFE!

Need to consolidate debt? Goodbye credit card payments. Welcome, revolving debt free!

Let us help you regain control over your monthly expenses. Consolidate your debt by refinancing your home. With debt consolidation, you’re paying your debts in full.

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Use the equity in your home and
Increase the value of your home

We make it easy for you to use the equity of your home to buy an investment property or vacation home. You can also use the equity to invest and renovate your property, that will significantly increase the value of your home.

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Let’s Make Things Happen

“I look forward to connecting with you, thank you for allowing me the opportunity to serve you and your family during this amazing journey.”

Francy Diaz
Your Mortgage Loan Specialist
NMLS# 2013599 | Cal DRE# 01889926

(818) 256-5729

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