Our loan program

Mortgage Refinance

Purchase or Refinance

Reasons to refinance a mortgage include lowering your interest rate, switching to a fixed rate from an adjustable-rate mortgage (ARM), or taking cash out of your home.

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Up to
80%
LTV - Purchase
80%
LTV - Rate & Term
75%
LTV - CASH OUT
30 - 40
Year Fixed
IO Options
$250K up to $8M

Refinance Your Home

Would a mortgage refinance make sense for you? You’ve probably had the conversation at some point in time. Perhaps a family member or neighbor has told you about the great deal they got by refinancing their mortgage. Now you’re left to wonder: Are you losing out if you don’t follow suit?

There are times when droves of homeowners rush to refinance (usually because of a drop in interest rates). However, rates aren’t the only reason to replace your current loan, nor is it the case that an ideal time to refinance for one borrower is necessarily a good opportunity for someone else.

Before jumping into a decision, it’s important to understand why you’d want to take out a new home loan in the first place—and then to figure out whether it makes sense in your particular circumstances.

Reasons to refinance a mortgage include lowering your interest rate, switching to a fixed rate from an adjustable-rate mortgage (ARM), or taking cash out of your home.

When shopping around for a new mortgage, remember to look not just at interest rates but also at closing costs, good faith estimates, and the breakeven point.

Consider using the services of a mortgage broker but do your own legwork to make sure you get the best deal.

Decide whether you want to use points to lower the interest rate and remember to lock in the rate once you have a good offer.

Get your credit reports to see what your credit score is and check for errors, because great credit can help secure a better refinance package.

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BENEFITS

Why Should You
Choose Us?

If you’re interested in applying for a bank statement loan to secure financing for a home, contact Equity Direct Financial today. We can help you with a bank statement loan that helps self-employed workers and independent contractors avoid having to submit tax returns for loans. Don’t let the lack of a tax return stop you from getting the loan you deserve. We at Equity Direct Financial will ask you to submit several months’ worth of bank statements to us, which we will review and verify before we submit to a home lender.

  • Customer Focused
  • Minimal Documentation
  • In House Fund Control
  • Best Loan Services
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Adam Vaughn
“Just want to express my appreciation to Jason Gregoroff with Equity Direct Financial. My situation was a bit challenging, and although it took a few months, Jason was always keeping me in the loop and checking in, allowing me to feel at ease with the process. I have worked with other lending institutions and please give Jason and his team a shot at helping you. They are friendly, efficient, hard working, but most of all trustworthy of your personal information. Highly recommend !!!!!”

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States We Lend

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Score and background check

USA-Map-2-1 (1)
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$250K – $10MM+ non-owner occupied property

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2-months of recent bank statements

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Fix & Flip Experienced Required

PURCHASING SERVICES

Our Core Purchasing Service

Whether you’re looking to purchase a new home or refinance your existing home, Equity Direct Financial can provide all the help you need.

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Jumbo Loans

That expensive home of your dreams doesn’t necessarily have to be out of your price range.

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VA Loans

Military Veterans are guaranteed a home loan with no down payment from the federal government.

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FHA Loans

Make sure you’re protected from defaulting on your mortgage is with a Federal Housing Administration loan.

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Asset-Based Loans

Looking at creditworthiness as part of a loan application, there are alternatives to simply showing your income to a lender.

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Foreign National Loans

A foreign national loan makes it possible for you to own a home, even though you’re not a citizen.

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Stated Income

Our Bank Statement and Profit & Loss programs are designed for Self-Employed Borrowers

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LET’S CONTACT

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