The long-term commitment of a mortgage rate of a home loan can be a point of anxiety for some, but it doesn’t have to be! Borrowers have many options when it comes to their mortgage over the course of the term. Refinancing can provide the ability to “renegotiate” your rate and present a variety of opportunities through monthly savings or equity cash-out.

One of the many cash-saving benefits of a refinance is the ability to consolidate debt from credit cards, personal or student loans and even medical expenses. By utilizing the equity in your home, you can quickly restructure your home loan to withdraw cash for your own use, with a better overall total collective rate. Effectively eliminating all of those additional monthly payments.

As a homeowner, you will have most likely accumulated some equity. This money can be withdrawn and used for home improvements and remodeling or toward an ADU build which can provide supplemental monthly passive income. Alternatively, you can use the funds to start a business or "buy the dip". With a refinance there are plenty of opportunities to start compounding your wealth!

• 100% Financing Available
• Min Down: 3% w/PMI
• Min Down: 10% w/no PMI
• FICO Credit Score: 620+
• Debt-To-Income Ratio less than 50%
• Primary, Secondary, Investment
• Gifts Funds Allowed

• 100% Financing Available
• FICO Credit Score: 500-579 (10% down)
• FICO Credit Score: 580+ (3.5% down)
• Debt-To-Income Ratio less than 57%
• Primary Occupancy
• Gifts Funds Allowed

• 100% Financing Available
• Minimum FICO Credit Score: 500
• Debt-To-Income Ratio less than 60%
• Primary Occupancy
• Gifts Funds Allowed

• 90% Financing up to $2Mil
• 80% Financing up to $3Mil
• FICO Credit Score: 680+
• Debt-To-Income Ratio less than 45%
• Primary, Secondary, Investment
• Gifts Funds Allowed

• 90% Financing: $100k – $3Mil
• FICO Credit Score: 600+
• Debt-to-Income Ratio less than 55%
• 3, 12, 24mo. Personal/Business Statements
• 2-4YR Self-Employed History
• Owner Occupied, Second Property, First-Time Buyer
• Single-Family, Condos, PUDs, 2-4 Unit, Townhomes

• Debt Service Coverage Ratio .75-1.5+
• 80% Financing up to $2Mil
• Qualify Based on Rental Income
• Debt-to-Income Ratio less than 55%
• Single-Family, Condos, PUDs, 2-4 Unit, Townhomes
• Non-Owner Occupied Only
• PERFECT For: AirBNB, Second Home, Investment Rental

• Residential & Commercial
• Invest 1-4 Units, Multi-Family 5+ Units
• Commercial: Retail, Office, Warehouse, Storage, Automotive
• Loan to Value Max: 75%
• Fico Score: 600+
• Full Doc or No Doc

• Loan to Value Max: 80%
• 1099s: 1-2yrs, Income calculated on 12/24mo. average
• Written VOE, 2mo. Statements, 2yr. History
• P&L: Must own 50% of business, most recent tax returns

Our Mortgage Advisors provide a concierge-style experience to all of our clients. We provide professional insight and advice to get you the best possible loan for your needs. We’ll work closely with you throughout the entire process. Our motivation is your complete satisfaction.

At Bydand Home Loans, we’ve invested heavily in our technologies, which allows us a competitive edge over other mortgage companies. Our user-friendly mobile app allows for simplified accessibility to your application, real-time status updates, and empowers you to conveniently scan and upload documents.

Our attention to details and meticulous efforts for our clients, eliminates a lot of the time consuming back-and-forth that comes with the loan application process. We work hard to ensure you are funded within 14 days!