Loan Options

Discover Your Refinance Options

Refinancing is all about saving you money. To help with your cash flow, closing costs can be rolled into your new loan amount as a depletion of equity (up to a certain percentage), potentially keeping you from having to pay any money "out of pocket" at closing.

To learn more about what type of loan fits your refinance needs, use our Loan Option Finder below.

If you prefer to speak to us about the different refinance programs available, connect with one of our Loan Officers in your area. Take the first step and begin The Loan Process today.

Find the right loan program for you.

SHOW ALL

“I’m looking to lower my payment on my primary residence.”

  • FHA
  • 3.5% down payment minimum
  • 585 minimum credit score
  • 6% maximum seller contribution
  • Gift Funds allowable in certain cases
  • Fixed monthly payment
  • 30, 25, 20, 15 and 10 year amortization options available
  • Conventional
  • 5% minimum down payment
  • 620 minimum credit score
  • 3% - 9% seller contribution allowed depending on down payment
  • Gift funds allowable for down payment
  • Fixed or Adjustable (ARM) monthly payment options available
  • 30, 25, 20, 15 and 10 year amortization options available
  • VA
  • Up to 100% financing available
  • 620 minimum credit score
  • No mortgage insurance
  • 4% maximum seller contribution
  • 30, 25, 20 and 15 year amortization options available
  • Also available to eligible active duty servicemen & women
  • USDA
  • Up to 100% financing available
  • 640 minimum credit score
  • 6% maximum seller contribution
  • Fixed monthly payment
  • 30 year amortization only
  • Jumbo ($417,000+)
  • $1.5 million max loan amount (larger loans available on a case-by-case basis)
  • 20% minimum down payment (some loan options may require more)
  • 690 minimum credit score
  • Fixed or Adjustable (ARM) monthly payment options available
  • Available for vacation homes to qualified borrowers

“I want the lowest rate possible."

  • Adjustable Rate Mortgages (ARMs)
  • ARMs are loan products that start at the lowest rates available but are tied to the market, allowing the interest rate to rise or fall over time
  • 5, 7, or 10 year initial rate locks available
  • Initial, Annual & Lifetime ceilings are available on all ARMs
  • Conventional
  • 5% minimum down payment
  • 620 minimum credit score
  • 3% - 9% seller contribution allowed depending on down payment
  • Gift funds allowable for down payment
  • Fixed or Adjustable (ARM) monthly payment options available
  • 30, 25, 20, 15 and 10 year amortization options available
  • Jumbo ($417,000+)
  • $1.5 million max loan amount (larger loans available on a case-by-case basis)
  • 20% minimum down payment (some loan options may require more)
  • 690 minimum credit score
  • Fixed or Adjustable (ARM) monthly payment options available
  • Available for vacation homes to qualified borrowers

“I need to take some cash out of my property.”

Cash-out programs are available as a depletion of equity. The new loan will payoff the current mortgage and provide you with cash at closing, depending on how much equity you have in the property and how much of it you are looking to liquidate. Mortgage insurance is required on cash-outs with less than 20% equity. Jumbo cash-outs are capped at $250K and 80% LTV. Investment property cash-outs are available up to 75% LTV.

  • Conventional
  • 5% minimum down payment
  • 620 minimum credit score
  • 3% - 9% seller contribution allowed depending on down payment
  • Gift funds allowable for down payment
  • Fixed or Adjustable (ARM) monthly payment options available
  • 30, 25, 20, 15 and 10 year amortization options available
  • Jumbo ($417,000+)
  • $1.5 million max loan amount (larger loans available on a case-by-case basis)
  • 20% minimum down payment (some loan options may require more)
  • 690 minimum credit score
  • Fixed or Adjustable (ARM) monthly payment options available
  • Available for vacation homes to qualified borrowers

“I want to keep my payment from rising.”

If you are in an Adjustable Rate Mortgage, you can refinance into a fixed rate to make sure your payments don’t go up more than you can afford.

  • Conventional
  • 5% minimum down payment
  • 620 minimum credit score
  • 3% - 9% seller contribution allowed depending on down payment
  • Gift funds allowable for down payment
  • Fixed or Adjustable (ARM) monthly payment options available
  • 30, 25, 20, 15 and 10 year amortization options available
  • FHA
  • 3.5% down payment minimum
  • 585 minimum credit score
  • 6% maximum seller contribution
  • Gift Funds allowable in certain cases
  • Fixed monthly payment
  • 30, 25, 20, 15 and 10 year amortization options available
  • Jumbo ($417,000+)
  • $1.5 million max loan amount (larger loans available on a case-by-case basis)
  • 20% minimum down payment (some loan options may require more)
  • 690 minimum credit score
  • Fixed or Adjustable (ARM) monthly payment options available
  • Available for vacation homes to qualified borrowers

“I’m a veteran and looking to lower my payment.”

  • VA
  • Up to 100% financing available
  • 620 minimum credit score
  • No mortgage insurance
  • 4% maximum seller contribution
  • 30, 25, 20 and 15 year amortization options available
  • Also available to eligible active duty servicemen & women

“I’m looking to lower my payment on my vacation home.”

  • Conventional
  • 5% minimum down payment
  • 620 minimum credit score
  • 3% - 9% seller contribution allowed depending on down payment
  • Gift funds allowable for down payment
  • Fixed or Adjustable (ARM) monthly payment options available
  • 30, 25, 20, 15 and 10 year amortization options available
  • 10% minimum down payment for Conforming (Conventional) loans
  • Jumbo ($417,000+)
  • $1.5 million max loan amount (larger loans available on a case-by-case basis)
  • 20% minimum down payment (some loan options may require more)
  • 690 minimum credit score
  • Fixed or Adjustable (ARM) monthly payment options available
  • Available for vacation homes to qualified borrowers

Branch 77000

(904) 269-5992

3555 US HWY 17, Suite 5

Fleming Island, Florida 32003

NMLS# 2297

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Please Have The Following Information

  • Current and Previous Addresses (2 years)
  • Current and Previous Employment Information
  • Income Information For All Borrowers
  • Bank Account (and Other Asset) Balanced and Information
  • Current Monthly Housing Expenses (Mortgage Payments or Rent)
  • If You Already Own Other Property:
    • Address(es) for Each Property
    • Approximate Market Value(s)
    • Rental Income
    • Mortgage, Property Tax and Insurance Information
  • If Working With A Real Estate Agent: Their Name, Company and Contact Information

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