This program is designed for current homeowners who want to refinance their existing mortgages for better rates, terms, or to consolidate debt.

• Competitive interest rates

• Options for cash-out refinancing

• No private mortgage insurance with sufficient equity – Flexible loan terms

• Minimum credit score of 620 recommended
• Debt-to-income ratio typically below 43%
• Documentation of income and asset verification is required
• Must have a history of timely mortgage payments