Lower Your Monthly Payments and Save
Conventional Refinance Loan
Reduce your payments by securing a lower interest rate or adjusting your loan term.
Conventional Cash Out Refinance
Replace your current mortgage with a new, bigger mortgage that can convert some of your home’s equity to cash.
VA Streamline Refinance (IRRRL)
A way for veterans to refinance their existing VA loan to a new VA loan with lower rates.Â
FHA Streamline Refinance
An FHA streamline refinance is an option for homeowners that allows borrowers to refinance their mortgage with less paperwork and credit documentation.
Refinancing Guidelines
If your details are close to these guidelines, we encourage you to apply or contact us.
Who can benefit?
For the right circumstances and because interest rates at historic lows, now is a good time for every homeowner to consider and evaluate the option of refinancing to lower interest rates, change mortgage length, and get rid of mortgage insurance.Â
Minimum Down Payment of $0
Enjoy the flexibility of putting no money down, and low closing costs. Refinancing shouldn’t be a stressful process, in fact it should be the opposite. A minimum credit score of 580 is required to for most refinance options, reach out today.Â
Refinancing Features & Qualification
You can now get a lower interest rate and make lower payments, or change the length of your mortgage loan, even by half. This allows you to build equity more quickly, get cash from the equity in your home, convert from an Adjustable-Rate Mortgage to a Fixed-Rate Mortgage, and convert to a renovation loan program to finance a remodel.Â
Frequently Asked Questions
Answers to questions about refinancing we heard from people like you during research.
Do you have another question that isn’t here?
Why should I refinance my home loan?
Refinancing can help lower your monthly house payment, reduce interest rates, switch from an adjustable-rate mortgage (ARM) to a fixed-rate mortgage, cash out equity for home improvements, debt consolidation, or major expenses, reduce or eliminate monthly mortgage insurance, and shorten loan terms to pay off the home faster.
When is the right time to refinance my mortgage?
The right time depends on market rates and your financial situation. If rates drop or your credit score improves, refinancing can help you save money.
Can I get cash out when refinancing my mortgage?
Yes, a cash-out refinance allows you to borrow against your home equity for expenses like home improvements or debt consolidation.
What’s the difference between rate-and-term and cash-out refinancing?
A rate-and-term refinance lowers your interest rate or changes your loan term, while a cash-out refinance lets you take cash from your home’s equity.
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step of the way home
1
Apply & Review
Complete our quick online application or schedule a consultation to discuss your refinance goals.
2
Lock & Submit
We’ll help you lock in the best rate and gather the necessary documents for a smooth process.
3
Fast Processing
Our team handles the details, working quickly to get your loan approved without delays.
4
Close & Save
Sign your final documents and start enjoying lower payments, better terms, or extra cash.
Choose a Path to Financial Freedom
Imagine a refinance experience that’s simple and rewarding, handled by a team that makes everything easy and transparent.
With DC Lending, you’ll get the support you deserve, from application to closing, so you can secure better loan terms with confidence.
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Get your custom rate in no time!