RefinanceYour Mortgage
Lower your monthly payments, access your home's equity, or pay off your loan faster with our competitive refinancing options.
UnderstandingRefinance Loans
Refinancing your mortgage means replacing your current home loan with a new one — often with better terms.
Refinancing gives homeowners the opportunity to lower their interest rate, reduce monthly payments, access cash from equity, or restructure their loan terms. Whether you're looking to improve your financial position or tap into your home's value, refinance options are available—even if your credit or income situation isn't perfect.
Refinance Program Highlights
Low Credit Score Refinance
Refinance options available with credit scores as low as 500, including FHA and certain non-QM programs.
Great for borrowers working on credit recovery
Cash-Out Refinance
Convert your home equity into cash for renovations, debt consolidation, or other needs—while possibly improving your overall loan terms.
Access your home's value for your goals
No-Income Verification Refinance
For self-employed borrowers or those with unique income sources. Income can be verified using bank statements, P&L statements, or even no income documentation in select cases.
DSCR or asset-based programs available
Streamline Refinance (FHA/VA)
Fast-track refinance with reduced documentation and no appraisal required in many cases.
Ideal for current FHA or VA loan holders
Flexible Options Include
Rate Options
Fixed or adjustable rates
Loan Terms
Flexible Terms from as little as 8 years toas high as 40 years
Property Types
Primary, second homes, and investment properties
Common Refinance Reasons
Lower Monthly Payments
Reduce payments with a lower interest rate
Access Home Equity
Cash-out refinance for your goals
Shorten Loan Term
Pay off your home faster
Switch Rate Types
ARM to fixed-rate conversion
Additional Benefits
Expert Guidance Every Step
At Equitable Lending, we guide you through every step, helping you find the right refinance option to fit your financial goals.
What Our ClientsThink About Us
Don't just take our word for it. Here's what our clients say about their experience with Equitable Lending.
Dennon Smith
"Working with Equitable Lending on my refinance was wonderful. Though there were some hiccups along the road, the team at Equitable was fast, responsive, creative in their problem solving. I would recommend them to future prospects for their lending needs!"
Victoria Alcantara
"It's excellent to work with this team, always willing to help, and I was able to close the loan in less than a month. I recommend them!"
Donna Mathes
"Equitable Lending made the entire process easier to understand and follow. I was pleasantly surprised and very impressed with all that I interacted with. Robert Ceroke, in particular, would answer all of my stressed out calls, texts, emails graciously and thoroughly. He made sure I understood what was going on which made me feel confident in the company itself."
640+
Happy Clients
5.0/5.0
Average Rating as seen on Google Reviews
26 Days
Average Close Time
Ready to Experience Our Service?
Join hundreds of satisfied clients who chose Equitable Lending for their mortgage needs.
Mortgage Calculator
Calculate your refinancing savings or explore purchase loan options. Perfect for comparing rates and understanding your payment scenarios.
Refinance Details
New Loan Terms
Refinance Analysis
Refinancing looks favorable! You'll save money monthly and break even in 12 months.
Ready to move forward with your mortgage?
*This calculator provides estimates only. Actual rates and terms may vary based on creditworthiness, loan-to-value ratio, and other factors. Contact us for personalized rates and terms.