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Refinance Your Loan

If you currently own your home, consider the various ways you can improve your financial position by refinancing.

Lower Your Rate:
Refinancing often makes sense if you can lower your interest rate which yields a lower monthly mortgage payment.

Change to a Fixed Rate:
If you currently have an adjustable-rate mortgage (ARM), it may make sense to switch to a low, fixed-rate mortgage to make budgeting easier.

Renovate Your Home:
If you have light-to-major renovations in mind for your home, it may make sense to get a renovation loan to pay for all your upgrades.

Obtain Cash:
Use the equity in your home for minor home improvements, college tuition or investment opportunities.

Build Equity Faster:
If you currently have a 30- or 40-year mortgage and you want to accelerate your equity growth, it may make sense to change to a 15-year mortgage.

Explore the advantages of the refinance programs available today.

DU REFI +

The best choice for individuals who currently have a Fannie Mae-held mortgage and may owe up to 125% of the current property value. No private mortgage insurance and relaxed qualifying guidelines make this program very attractive and may lower your monthly payments, create equity faster and/or knock years off your loan.

LP OPEN ACCESS

The best choice for individuals who currently have a Freddie Mac-held mortgage and may owe more than the current value of their property. This program is similar to the DU Refi+ program listed above.

HARP 2.0

An aggressive refinance program enacted by the Federal government for individuals whose mortgage is currently held by Fannie Mae or Freddie Mac. If you owe more than the current value of your property and you’re current on your mortgage payments, you may be a prime candidate for HARP financing which can lower your interest rate and reduce your overall monthly payment. A Platinum mortgage consultant can help you determine if you are eligible.

Visit the HARP Help Center »

FHA STREAMLINE REFI

The best choice for individuals who currently have an eligible FHA mortgage. You can take advantage of historically low rates without the hassle of getting a new appraisal. Lower your interest rate and put more money in your pocket each month.

VA INTEREST RATE REDUCTION REFINANCE LOAN

The best choice for individuals who currently have an eligible VA mortgage. You can take advantage of historically low rates with minimal out-of-pocket expenses. Simply roll your fees and closing costs into your new loan and enjoy a lower interest rate. We offer a one-of-a-kind program that does not require a full appraisal and will lend up to 135% loan-to-value.

STANDARD REFINANCE

The best choice for individuals who currently have equity in their property and want to lower their rate, change their pay-off term and/or change programs. Choose from conventional, non-conforming, FHA, VA, and USDA Rural Housing which all offer 30-year fixed-rate mortgages. Some offer lower terms and adjustable-rate mortgages. A Platinum mortgage consultant can help you make a decision based on your financing goals.

HOMESTYLE® RENOVATION

The best option for individuals who want to make major improvements, including luxury items like pools and jacuzzis. Up to 50% of the appraised “as-completed” value can be financed in the loan amount. This program is great for primary residences, second homes and investment properties.

FHA 203(K) FINANCING

The best choice for individuals who want to make light-to-major renovations to their current home. Platinum offers both 203(k) Streamlined and 203(k) Standard programs that will help you turn your “frog” into a “prince.”