Mortgage Refinance

For All Home Owners

  • Good & Bad Credit
  • No Income or Low Income
  • Self-Employed or Contractor
  • Separated or Divorced

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Mortgage Approval

Fast Refinance

Fast mortgage refinance options from direct lenders for good & bad credit.

Best Refinance Offers

Mortgage refinance rates and terms, tailored to your specific needs.

Mortgage Broke

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.
mortgage refinance
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.
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.

self employed mortgage qualifications

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.

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