Home loans

Refinance
your home.

Change your rate or term, or take cash out.

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The program

Make the home you have work better.

Refinancing replaces your current mortgage with a new one. People refinance to change their rate or the length of their loan, to switch from an adjustable rate to a fixed one, or to move from an FHA loan to a conventional loan without mortgage insurance.

A cash-out refinance lets you borrow against your equity in the same new loan. Vadim runs the numbers with you, including closing costs and how long it takes to break even, before you decide.

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What to know

Four things to know about refinancing.

  1. 01

    Closing costs apply

    A refinance has closing costs, much like a purchase. They can often be paid in cash or added to the loan.

  2. 02

    The break-even point

    Divide the costs by the monthly savings to see how long the refinance takes to pay for itself.

  3. 03

    Cash out for big plans

    Pay off high-interest debt, renovate, or fund a large expense.

  4. 04

    Switch loan types

    Move from adjustable to fixed, or from FHA to conventional once you have enough equity.

Working with Vadim

One broker, from the first call to the keys.

  1. Talk it through

    A call about your plans, your numbers and your timeline.

  2. Apply once

    One application and one credit check, while Vadim looks at several lenders.

  3. Vadim shops the loan

    As a broker, he compares loans from multiple lenders and brings you the options.

  4. Close

    He stays with you through underwriting, the appraisal and closing.

Loan programs

Nine ways to buy or refinance a home.

Buying your first home, refinancing the one you have, or borrowing against it. Investing instead? See the investor loans.

For homebuyers

Buying or refinancing a home

Owner-occupied loans

Ask about home loans
09Programs
  1. ConventionalA standard mortgage that isn’t backed by the government.
  2. FHAInsured by the FHA, with flexible credit guidelines.
  3. VAFor eligible veterans, service members and surviving spouses.
  4. USDAFor eligible homes in rural and some suburban areas.
  5. JumboFor loan amounts above the conforming limit.
  6. RefinanceChange your rate or term, or take cash out.
  7. Second MortgageBorrow against your equity and keep your first mortgage.
  8. RenovationBuy or refinance and fund the renovation in one loan.
  9. Down Payment AssistancePrograms that can help cover your down payment.