Refinance with Confidence

This classic refinance option is ideal if you want to lower your payment or pay off your mortgage sooner. With a rate and term refi, you’ll replace your current mortgage with a new one that has a new (you guessed it) rate and term.

The Cardinal Equity Access Program can transform your home equity into financial freedom. Our HELOAN offers several advantages in today’s mortgage market. Borrowers can benefit from leveraging their home’s value without refinancing and losing the favorable low rate on their primary mortgage.

If you already have an FHA loan, you can refinance to a new FHA loan faster with no appraisal required. It’s less paperwork, and more potential savings. We also offer FHA Cash-Out Refinance options.

If you’re a qualified veteran, active-duty service member, or eligible surviving spouse, a VA refinance can help you secure new rates, reduced fees, and favorable loan terms. Whether you’re looking for a VA Streamline (IRRRL) refi or a VA Cash-Out refi, we make the process simple and cost-effective.

If you have a USDA loan, refinancing could help you secure a new interest rate and loan terms—without a home appraisal or out-of-pocket closing costs in some cases.