You deserve the BEST rate possible.
Save money and invest in your financial future to increase your net worth.

Our FREE Rate Quote Tool will show you how much you could be saving on your mortgage payment.

What are the benefits of Refinancing?

Learn more about why you should consider taking advantage of a Home Refinance:

Better Interest Rate

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.

Debt Elimination

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.

Reinvestment

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 This money can be withdrawn and used for home improvements and remodeling or toward an ADU build which can provide supplemental monthly passive income.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!

Not sure what Type of Loan you'll need?

There are a variety of loan options available, but how will you decide what is best? This is where the professionals at Bydand Home Loans shine. Your personal mortgage concierge will provide custom tailored home financing solutions that best suits your needs, and be right there alongside you throughout the entire process.

Conventional: Fixed & ARM

  • 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

FHA: Fixed & ARM

  • 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

VA: Fixed & ARM

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

Jumbo: Fixed, ARM & I/O

  • 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

Bank Statements: Fixed, ARM, I/O

  • 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

Investment: Fixed, ARM, I/O

  • 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

Stated Income: Fixed, ARM, I/O

  • 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

1099/VOE/P&L

  • 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

See why more homeowners say ``Bydand Is Better!``

Some of the more popular reasons for our raving 5-Star client reviews:

Top-Rated Service

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.

Modernized Approach

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.

Lightning-Fast Funding

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!

Don't take our word for it, Read Our Reviews.

See why countless Bydand Home Loan clients recommend us to their friends and family, and return for all of their purchase and refinancing needs.

Still Have Questions? Let's Talk.

Buying a home is one of life’s major decisions. Being cautious, inquisitive, or wanting to educate yourself further is a great sign of character. Bydand Mortgage Advisors are here to answer any questions or concerns you may have. There’s no obligation, so what are you waiting for? Give us a call or schedule one today! Or shoot us a message below, we’d love to hear from you.

  • This field is for validation purposes and should be left unchanged.

Check out What's New on the Bydand Blog!