Refinance Loans

Refinance Loans | Lower Your Rate, Reduce Payments & Access Home Equity

Refinance your mortgage with Acre Lending Team to lower your interest rate, reduce monthly payments, shorten your loan term, or tap into your home’s equity. Whether you're looking to consolidate debt, switch to a fixed-rate mortgage, or take cash out for home improvements, we offer flexible refinancing solutions tailored to your needs. Explore your options today and maximize your home’s financial potential!

Conventional Loans

  • Borrowers who want to remove PMI – If you’ve gained enough equity (20%+), you can eliminate private mortgage insurance.

  • Homeowners looking to lower their interest rate – Reduce your monthly payment and save on long-term interest.

  • Credit Score: Typically 620+ for best rates, but higher scores (700+) may qualify for lower interest rates.

  • Lenders typically require a DTI below 43%, though some may allow up to 50% with compensating factors.

FHA Loans

  • Current FHA borrowers looking for an easy refinance – FHA Streamline Refinancing requires minimal paperwork and no appraisal.

  • Homeowners with limited savings – Lower upfront costs make refinancing more accessible.

  • Borrowers with past credit challenges – FHA refinances have lenient credit requirements and allow higher debt-to-income ratios.

  • Homeowners wanting lower monthly payments – Reduce interest rates and lower your mortgage insurance costs with an FHA refinance.

VA Loans

(For Veterans & Active-Duty Military Only)

  • Eligible veterans, active-duty service members, and spouses – Access exclusive low-interest VA refinance programs.

  • Homeowners looking for a VA Streamline (IRRRL) refinance – No appraisal, no income verification, and reduced paperwork.

  • Borrowers wanting to cash out home equity – VA Cash-Out Refinance lets you access your home’s value for debt consolidation or expenses.

  • Homeowners looking to lower their interest rate – VA loans often offer some of the lowest mortgage rates available.

USDA Loans

(For Rural & Suburban Homebuyers)

  • Current USDA loan holders looking for an easy refinance – USDA Streamline Assist lets you refinance without an appraisal.

  • Homeowners with low-to-moderate income – USDA refinances maintain income eligibility requirements.

  • Borrowers looking to reduce their mortgage payment – Take advantage of lower interest rates and cheaper mortgage insurance.

  • Homeowners wanting a more affordable loan structure – USDA refinancing options help reduce long-term costs.

Jumbo Loans

(For High-Value Home Purchases)

  • Homeowners with high-value homes – Needed for refinances above $726,200 (or higher in certain markets).

  • Borrowers with strong credit and financial reserves – Typically requires a 700+ credit score and 6-12 months of reserves.

  • Homeowners looking to lower their interest rate on a large loan – Reduce payments on luxury or high-cost properties.

  • Borrowers wanting to take cash out on a high-value home – Access home equity for investments, renovations, or debt consolidation.

Non-QM Loans

(For Unique Financial Situations)

  • Self-employed homeowners and freelancers – Qualify using bank statements instead of tax returns.

  • Borrowers with non-traditional income sources – Ideal for business owners, commission-based earners, and entrepreneurs.

  • Homeowners with credit challenges – Non-QM refinancing allows flexible underwriting for those with recent bankruptcies, foreclosures, or high DTI ratios.

  • Credit Score Flexibility: Some lenders approve scores as low as 500-620, though better terms are available for 680+ scores.

Helocs/Heloans

(Home Equity Lines Of Credit)

  • Homeowners looking for flexible access to cash – Use your home’s equity as a revolving line of credit (HELOC) or a lump sum loan (HELOAN).

  • Borrowers who want to fund home improvements, debt consolidation, or major expenses – Tap into your equity for renovations, medical bills, education costs, or investments.

  • Homeowners wanting a lower-cost alternative to personal loans or credit cards – HELOCs and HELOANs typically offer lower interest rates than unsecured loans.

  • Borrowers who don’t want to refinance their first mortgage – Keep your current mortgage rate while accessing additional funds.

DSCR Loans

(Debt Service Coverage Ratio Loans)

  • Real Estate Investors Looking to Refinance Without Income Verification – DSCR loans focus on rental income, not personal income, making it easier to qualify.

  • Unlock Cash Flow by Refinancing Your Investment Property – Use your rental income to refinance and secure better loan terms without tax returns or pay stubs.

  • Lower Interest Rates and Optimize Your Investment Portfolio – Refinance your DSCR loan to reduce costs, increase profit margins, and scale your real estate business.

  • Avoid Traditional Loan Hurdles – No employment history or W-2s required—approval is based on property cash flow, making refinancing simple and investor-friendly.

Reverse Loans

(Debt Service Coverage Ratio Loans)

  • Real Estate Investors Looking to Refinance Without Income Verification – DSCR loans focus on rental income, not personal income, making it easier to qualify.

  • Unlock Cash Flow by Refinancing Your Investment Property – Use your rental income to refinance and secure better loan terms without tax returns or pay stubs.

  • Lower Interest Rates and Optimize Your Investment Portfolio – Refinance your DSCR loan to reduce costs, increase profit margins, and scale your real estate business.

  • Avoid Traditional Loan Hurdles – No employment history or W-2s required—approval is based on property cash flow, making refinancing simple and investor-friendly.

Have a questions?

Speak to our mortgage experts today!


70 East Main St. Marlton, NJ 08053

(267) 385-1905

Acre Mortgage & Financial Inc.

NMLS# 13988

Acre Mortgage is an Equal Housing Lender. We fully comply with the Equal Credit Opportunity Act (ECOA) and all other Federal regulations. All applicants applying for credit from Acre Mortgage will never be discouraged on on the basis of race, color, religion, national origin, sex, military status ,marital status, age, or because you get public assistance. All information we request is voluntary, and will be kept confidential. For more information on the ECOA, please visit:

http://www.ftc.gov/bcp/conline/pubs/credit/ecoa.shtm

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