Home Refinance Loans
There are many reasons to consider refinancing your home. Maybe you want to lower your monthly mortgage payment, consolidate debt by refinancing for a better interest rate, or tap the equity in your home for a special purchase.
Whatever the reason, a talk with a licensed mortgage expert from The Funding Group will help you set clear financial objectives in order to choose the most appropriate refinance package for your home loan.
Book an Appointment
Getting Started & What to Consider
The interest paid on a mortgage will typically be your biggest expense as a homeowner, so finding ways to reduce it can be helpful for your overall financial health.
The Funding Group representatives will guide you through all the benefits of refinancing your home loan.
What we offer
Cash Out
Interest Only Payments Available
All products available for problems with credit or income
Home Refinance Checklist:
Below is the list of documents you need to apply for refinance loan.
Home Loan Timeframe
– Up to 4 weeks
Home Loan Closing Costs
– Closing costs range between 1 and 4 % of loan amount
– No cost option is available.
Documents Needed for a Home Refinance Loan
– W-2 for the previous 2 years
– Paystubs covering 30 days period
– 2 most recent bank statements on all depository accounts
– Homeowners’ insurance information (agent’s name and phone number or Insurance Declarations page)
– Personal tax returns for the previous 2 years
Self Employed Borrowers Only:
– Business tax returns for the previous 2 years
– Business Licenses covering a 2 year period
– Year-to-date profit and loss statement (P&L)
If Applicable
– Final divorce decree
– Proof of child support receipt and continuance
– Full bankruptcy filing
– Bankruptcy discharge
– Copy of a Green Card
– Copy of SSN card
– Disability Award Letter
– SSI Award Letters
– Pension Award and Continuance Letters
Frequently Asked Questions
What is the lowest fico you accept ?
580 credit score
What is the minimum down payment?
10% on Jumbo and 5% for conventional
Do you have programs that don’t require tax returns?
Yes, bank statement and DSCR program and full stated program
“We wholeheartedly recommend Wesley Johnson and his team. He was very methodical in the process, communicative, professional and delivered on time. We were looking for a dual re-finance and a HELOC and they saw it all through for us. We are super excited for Phase 2 of our lives.“
– C & S Jey
Start Your Loan Application
Ready to start your loan application process? Simply fill out this contact form and one of mortgage brokers will be in contact with you in a timely manner.
At The Funding Group we deliver the absolute best lending experience through knowledge, communication and care.
Our mission supports the growth and strength of our communities and provides a pathway to the dream of home ownership.
Address
451 N Canon Dr Suite 1
Beverly Hills California 90210
wesley@thefundinggroup.com
