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Fast mortgage refinance options from direct lenders for good & bad credit.
Best Refinance Offers
Mortgage refinance rates and terms, tailored to your specific needs.
Bad Credit Refinance
Bad credit mortgage refinancing programs available with alternative lenders.
What is mortgage refinance?
Mortgage refinance explained
Mortgage refinancing is the process of entering a new mortgage term whether with the same bank/lender or with another. Mortgage refinancing consist of paying a penalty, if breaking a closed mortgage mid term. There is not penalty for refinancing a mortgage at the maturity date, as the exist mortgage term expires.
How to refinance your mortgage
How to refinance home
To refinance a mortgage, first, all home owners must complete a mortgage application and submit it to your mortgage broker, along with any other documents requested by the broker. Next your broker will to order an appraisal report confirming the property value, and other important details lenders require to validate for all mortgage refinancing. The mortgage refinancing process is similar to the home purchase mortgage financing process, as traditional lenders will require to validate and qualify based on income and credit.

How to refinance your mortgage with bad credit
Having bad credit does not mean a home owner cannot refinance their mortgage. To refinance a mortgage with bad credit, home owners are required to obtain financing from non-traditional methods such as private mortgage, second mortgage or home equity loan, where there are no income or credit requirements.
2nd mortgage refinance (refinance no income)
Getting a second (2nd) mortgage is the simplest way a home owner can access equity from their home. A 2nd mortgage refinance does not require income or credit to qualify to borrower equity from the home — only home equity.
Mortgage Refinance Benefits
Pay Off Debt
Cut your monthly payments by half with mortgage refinance for debt consolidation.
Access Cash
Access money from your home for any purpose you may require funds for.
CRA Debt
Pay off CRA with your home equity by refinancing your mortgage.

Lower Rate
Refinance your mortgage for a lower interest rate and save thousands of dollars.
Credit Repair
Improve your credit by refinancing your mortgage to pay off unwanted creditors.
Home Reno
Mortgage refinancing for home renovation, new kitchen, finished basement & more.
