refinance

Looking to refinance and lower your monthly payments? We provide customized refinancing solutions, including cash-out, rate & term, and streamline options.

  • refinance
  • cash out refinance
  • FHA VA STREAMLINE REFINANCE

refinancing

Refinancing is often used to lower your interest rate. If rates have dropped since you last financed your home, you may want to consider refinancing. Other common reasons to refinance include paying off a balloon payment, converting an adjustable rate loan to a fixed rate loan or to extract cash equity in your home (cash out). A few reasons for cashing out include: home improvement, an education fund, and consolidating debt.

refinancing

cash out refinance

Cashing out refers to the refinancing of a loan where the borrowers will borrow money on their own home. If a home is appraised at $300,000 and the borrower’s outstanding mortgage loan is $200,000, it is possible to enter into an 80% cash-out refinance transaction for a loan of $240,000 (80% of $300,000). The new mortgage of $240,000 will pay off the $200,000 loan and leave $40,000 cash-out to the borrowers.

cash out refinance

What are the benefits?

By cashing out on your home, you can obtain cash on the value of your own home to pay off debts (like credit cards that have a higher interest rate) or upcoming expenses. The refinance transaction can also provide you with a better mortgage loan interest rate that will save on your monthly mortgage payments during the loan. And it’s tax-deductible.

What are the benefits?

How can we help?

If you are looking for this type of refinancing, My USA Mortgages can find a program suited to your financial needs. We offer cash-out programs for Owner-occupied homes and Non-owner occupied homes, with low, affordable rates.

How can we help?

Do you currently have an FHA or VA Loan?

We have the program for you! It is called the Streamline Program. This program is to only lower your current interest rate. I won’t run your credit, I won’t ask you for income and you won’t need to order an appraisal. Just a few papers like your current mortgage statement and we can lower your current interest rate in less than 15 days!!! Why not start saving so money?

Streamline Refinance

This type of refinance is available only to people that currently have an FHA or a VA loan. Call us at 954-400-0488 to find out more.

Do you currently have an FHA or VA Loan?

Streamline Refinance

This type of refinance is available only to people that currently have an FHA or a VA loan. Call us at 954-400-0488 to find out more.

Just look at the benefits!

Consolidate payments under one roof and save every month!

Lower interest rate

No appraisal on VA and FHA loans

No Income Requirements on VA and FHA loans

NO credit requirements on VA and FHA loans

Any loan terms between 5 to 30 years available

No FICO score needed on FHA and VA loans

How It Works

Get Started Right

Get Started Right

  • Lower your monthly payments, shorten your loan term, or tap into your home’s equity. Get a quick online quote to see your potential savings or cash out.
  • Unsure which strategy is best? Let’s talk! Call us at (954) 400-0488. 

Apply with Ease

  • Apply securely online or call us directly. We’re here to make the process as smooth as possible.
  • Prepare key documents like W2s, pay stubs, bank statements, and tax returns. We’ll provide a personalized checklist to ensure a seamless application.
  • Relax, we’ll handle the paperwork and approvals. If approved, you’re on your way to a streamlined closing! If not, we’ll provide clear explanations and potential options for resubmission.

Close with Confidence

Close with Confidence

  • Choose a closing date that fits your needs.
  • We’ll provide a detailed closing disclosure outlining the new loan terms and associated costs. Take your time, ask questions, and feel confident in every step.
  • On closing day, simply sign the documents and celebrate your financial freedom!