Refinance

At Spectrum Global Financial, we are dedicated to assisting you refinance your current loan to a lower interest rate and/or term.

We work with numerous lenders to bring you niche refinance programs at competitive rates. Whether you have a government loan, owe more than your home is worth or are looking to get cash-out, we have a program for you.

Here is a small list of popular programs available:

FHA Streamline: If you currently have a FHA loan, you can refinance into another FHA with No Appraisal and limited documentation. This program allows you to refinance to a lower rate and or term. Lower your monthly payment with little, if any, out-of-pocket.

FHA Refinance: FHA offers a lot of advantages when you have a Chap 13 bankruptcy, very little equity in your home, or other obstacles that may prevent you from refi-ing. There are low rates and flexible underwriting guidelines. Cash out available.

VA IRRRL: If you currently have a VA loan, you can refinance into another VA loan with No Appraisal and limited documentation. This program allows veterans to refinance to a lower rate and or term. Lower your monthly payment with little, if any, out-of-pocket.

VA Refinance: If you are a Veteran, you can refinance your home out of its current program into a No MI, VA home loan. You served your country, allow us to serve you with the benefits of a VA refinance. Cash out available.

HARP 2.0: Do you have a conventional loan and owe more than your home is worth? The government recently implemented a program to help responsible homeowners lower their monthly payments regardless of LTV (loan to value). If your home is backed by FannieMae or FreddieMac, you may be eligible for a Home Affordable Refinance Program. Click here for more information.

Conventional: One of the most common programs for refi-ing your current home loan. Conventional programs help eliminate PMI (must have at least 20% equity), can allow up to 105% LTV, and have flexible guidelines. Cash out available.

Cash Out Refinance: If you have equity in your home, you can use that to help improve your home, consolidate debts, pay for your children's college and much much more. Certain programs are eligible for cash-out. 

If you have any questions about these or other available programs, please feel free to contact us. We are always more than happy to discuss available options and programs you may qualify for. Consultations are always FREE with no obligation.