Refinance Options
Build Your Loan
Buy Your Home!
At Variant Lending, we are consistently building, and re-building, our portfolio of products so that you have a range of loans that’ll meet your needs.
Our care for you is unmatched and, as your trusted advisors, our flexible lending guidelines make purchasing quick and painless.
As you build your house into a home, we will be here for the life of your loan.
How to get cash from your home loan
A cash-out refi allows you to access a portion of your home’s equity and turn it into cash. While it’s true that you can use the cash for whatever you like, the smart decision is to pay off high-interest debt (including credit cards and student loans), or make improvements on your home to increase its value.
TAKE THIS SITUATION, FOR EXAMPLE:
Home Value
Mortgage Balance
New Loan Total
Cash for You
Please note: All loans are subject to credit, underwriting and property approval.
Programs, rates, terms and conditions are subject to change without notice. Other restrictions apply.
Eliminate PMI and lower your monthly payments
Think back to when you built your loan and bought your home. If your down payment was less than 20% of the purchase price, you are most likely paying private mortgage insurance (PMI) on top of your monthly payment. The great news is that home values are on the rise, and when you refinance with our low rates, you might be able to eliminate PMI and lower your overall monthly payment.
TAKE THIS SITUATION, FOR EXAMPLE:
Loan Amount
Original Equity
Current Equity
Refi Amount
Monthly Savings
Please note: All loans are subject to credit, underwriting and property approval.
Programs, rates, terms and conditions are subject to change without notice. Other restrictions apply.
Change your term and lower the amount you pay in interest
As your trusted advisors, we want to make sure you’re getting the most from your home loan, even if that means a bit less for us. If you refinance with one of our lower rate loans, you could possibly shorten the length of your loan term and might pay less interest overall. Imagine owning your home free and clear! With NewRez, it might be sooner than you think.
TAKE THIS SITUATION, FOR EXAMPLE:
Current Loan
@ 5.25% for 30 years
New Loan
@ 5.25% for 15 years
Interest Savings
Please note: All loans are subject to credit, underwriting and property approval.
Programs, rates, terms and conditions are subject to change without notice. Other restrictions apply.
Why you should choose us to assist you with Refinancing your Primary Residence/Refinance Investment Property
We help you cash out, consolidate or make improvements with flexible loan terms & competitive rates
You can complete the entire process online, by phone or at one of our offices near you. We make it easy!
Our 20 years of experience gives us the edge to help our clients… often we help after their banks and credit unions said no.
We will work to find the best option for your situation, based on your family’s goals.
Maximizing your return on investment with Investment Property refinance
Other loans you might be interested in:
FHA Refinancing
Conventional Refinancing
FHA Streamline Interest Rate Reductions (IRRLs) – No Appraisals
VA Streamline Interest Rate Reductions (IRRLs) – No Appraisals
HARP Loans
Debt Consolidations
FHA Down to 560 Credit Scores
Important Legal Disclosures
Variant Lending Group (Branch NMLS #1977530) is DBA Home Mortgage Alliance Corporation, NMLS #1165808.
Lender License (#MC-6747) and Mortgage Broker #ML-6747 in Virginia.
SML Mortgage Company License and SML Mortgage Loan Servicer Registration, licensed by the Texas Department of Savings and Mortgage Lending.
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Whether you're buying, refinancing, or just exploring your options, we’re here to help you move forward.
Variant Lending
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Variant Lending Group (Branch NMLS #1977530) is a DBA of
Home Mortgage Alliance Corporation
(Corporate NMLS ID 1165808).
Lender License (#MC-6747) and Mortgage Broker #ML-6747 in Virginia. Texas SML Mortgage Co Lic. & SML Mortgage Loan Servicer Reg.
Home Mortgage Alliance Corporation (HMAC), (NMLS ID 1165808) in California holds a Finance Lenders Law License (#603L284) licensed
by the California Department of Financial Protection and Innovation and CRMLA License # 41DBO-134495. Phone: 866-275-2677.
Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.