Make Your Mortgage
Work for You
Lower your payment, access equity, or pay your home off sooner—without guessing if it’s the right move. With Lendevity, you can review your refinance options in minutes with no impact on your credit score, no hidden costs, and no obligation. If you’re curious whether your current loan still fits your life, this is an easy first step.
Your Refinance, Simplified
$ 5.210 / mo
5 bd | 4ba | 4,210 sqft
$ 3.750 / mo
3 bd | 2ba | 2,210 sqft
$ 4.050 / mo
4 bd | 3ba | 3,110 sqft
The Right Refinance Strategy Can Save You Thousands
A well-structured refinance can reshape your entire financial picture. The difference between staying in the wrong loan and moving into the right one can mean tens of thousands of dollars over the life of your mortgage.
Refinancing can help you:
- Lower your monthly payment
- Shorten your loan term and pay off your home faster
- Remove mortgage insurance (MI)
- Consolidate high-interest debt into one, lower-rate payment
- Tap your home’s equity for renovations, investments, or major expenses
But not every refinance is a win. Timing, rate, costs, and loan structure all matter. Our role is to help you see the full picture—including the real break-even point—so you’re not just chasing a lower rate, you’re making a smarter move.
Three Common Refinance Goals
Maybe your current rate is higher than today’s market, your income has changed, or you simply want more monthly breathing room. A rate-and-term refinance can help you:
- Reduce your interest rate
- Stretch your remaining term for a lower payment
- Reorganize your debts for a simpler, more predictable monthly budget
We’ll show you both the short-term payment relief and the long-term cost so you know exactly what you’re trading.
Over the past few years, many homeowners have gained substantial equity. Refinancing can help you turn part of that equity into cash for:
- Home improvements or ADU additions
- Debt consolidation
- Starting or expanding a business
- Funding additional real estate investments
We’ll compare cash-out refinance, HELOC, and HELOAN options so you can choose the structure that best fits your goals and risk comfort.
If your income has grown or your financial priorities have shifted, you may be ready to accelerate your payoff. A refinance into a shorter term can:
- Reduce your total interest paid dramatically
- Help you build equity faster
- Position you for a mortgage-free retirement timeline
We’ll help you find the sweet spot between comfortably affordable and aggressively efficient.
Refinance Solutions We Offer
Just like purchase loans, refinance options come in many forms. We match you with the structure that fits your income, credit, and long-term plans.
Ideal for borrowers with strong credit and solid equity who want to lower their payment, shorten their term, or both. Offers competitive rates, flexible terms, and the ability to remove mortgage insurance once you have enough equity.
Refinance your existing mortgage for more than you owe and receive the difference in cash. Best suited for homeowners needing a larger lump sum for projects, investments, or consolidating higher-interest debts.
For eligible FHA or VA borrowers, streamline programs can:
- Reduce documentation and appraisal requirements
- Speed up closing
- Potentially lower your rate with minimal paperwork
A great fit if you’re staying with the same program but want better terms.
For many clients, it makes more sense not to touch the existing first mortgage—especially if your rate is already favorable.
- HELOC (Home Equity Line of Credit): Flexible, revolving line of credit with interest-only options and variable rates.
- HELOAN (Home Equity Loan): Fixed lump sum with predictable monthly payments and a fixed rate over a set term.
We’ll help you compare keeping your first mortgage + second lien vs. doing a full refinance.
For self-employed borrowers and investors whose tax returns don’t reflect true cash flow, bank statement loans and other non-QM programs use:
- 12–24 months of bank deposits
- Asset-based qualifying
- DSCR (Debt Service Coverage Ratio) for rental properties
These options open doors traditional underwriting often closes.
For rental property owners and real estate investors, we offer:
- DSCR refinances based primarily on property income, not personal income
- Cash-out options to fund additional acquisitions or renovations
- Portfolio and blanket solutions in select scenarios
We structure your refinance with an eye on ROI, cash flow, and future deals, not just today’s rate.
Why Borrowers Refinance with Lendevity
Once you become a Lendevity client, you can refinance with us in the future with no lender fees. (Terms and conditions apply.) That means when the market shifts, you’re not stuck paying full price to adjust.
If interest rates improve by at least 0.25% after we lock and your loan is still in process, we proactively review options to float your rate down or switch lenders for better pricing.
We partner with dozens of highly rated lenders nationwide, giving you access to wholesale-level pricing and specialized programs that most banks and retail lenders don’t offer.
Our average closing time is around three weeks for qualified borrowers. Clear communication, coordinated teams, and a fully digital process help you move from decision to closing without unnecessary delays.
For clients focused on payment relief or short-term horizons, we can structure no-closing-cost refinance options using lender credits to offset third-party fees.
Our role is to explain the math, show your true break-even point, and help you decide if a refinance makes sense—not to push you into a loan that doesn’t.