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  • Rate and Term Refinance
  • Cash Out Refinance
  • FHA Streamline Refinances
  • VA IRRL Refinances
  • Reverse Mortgage Refinance
About Us

We’ll secure your best choice
in refinancing

It may be your first time, your second attempt, or your final one. The time has come to refinance your mortgage. Don’t worry, Secure Choice Lending can help you navigate the vast variety of loan options and steer you in the right direction.

Contrary to popular belief, refinancing isn’t only a tool to lower interest rates and payments. Refinancing also can be used to procure equity for home improvement projects and to consolidate debt.

We’ll work tirelessly to secure the interest rates, terms and loan package that align with your financial goals.

Similar to our home purchase options, we will go out of our way to secure the best interest rates, terms and loan package to fit your financial goals and needs. Make the secure choice, let Secure Choice Lending refinance your mortgage.

Resources

For Typical Homeowners

FHA Streamline Refinances

A VA IRRRL is a specific refinancing program for people with a VA home loan. If you are eligible and approved, an IRRRL will lower your monthly payment by lowering your interest rate. Or, it will make your monthly payments the same by changing your adjustable or variable interest rate to a fixed interest rate.

Learn more
For Typical Homeowners

FHA Loans

An FHA Loan, or Federal Housing Administration Loan, is a mortgage insured by the government. This allows for lenient lending standards compared with conventional loans, a perk that helps homeowners who may not qualify for conventional loans, which require higher credit scores and often a larger down payment.

Learn more
For Typical Homeowners

Jumbo Loan

A Jumbo Loan is also known as a conventional conforming loan. As such, the maximum loan amount will be different for each lender. Furthermore, there are various term options for Jumbo Loans. This type of loan can be used to buy your primary home, a vacation home or investment properties.

Learn more
For Typical Homeowners

VA Loans

VA home loans are provided by private lenders, such as Secure Choice Lending. A portion of the loan is guaranteed by the U.S. Department of Veterans Affairs. This enables the lender to provide you with more favorable terms.

Learn more
For Typical Homeowners

VA IRRRL

A VA IRRRL is a specific refinancing program for people with a VA home loan. If you are eligible and approved, an IRRRL will lower your monthly payment by lowering your interest rate. Or, it will make your monthly payments the same by changing your adjustable or variable interest rate to a fixed interest rate.

Learn more
For Typical Homeowners

Conventional Loans

A conventional loan is a mortgage that is not guaranteed or insured by the Federal Housing Administration (FHA), the Department of Veteran Affairs (VA) or any other government agency.

Learn more
For Typical Homeowners

Fixed Rate Loan

A fixed rate loan is a loan option that has an interest rate that doesn’t change during the period of the loan. It is widely considered the safest and more popular option. It protects you, the home buyer, against increases in interest rates over the life of the loan. This means you will know what your monthly payment is and that it will not change unless you change the terms of your loan through refinance or other means. Because of your monthly payment stability, you can make better budget decisions.

Learn more
For Typical Homeowners

Adjustable Rate Loan

An adjustable rate loan which is commonly referred to as ARM for adjustable rate mortgage is a type of mortgage where the interest rate on the outstanding balance varies throughout the life of the loan. However, the initial interest rate is fixed for a period of time and after that it resets periodically based on the type of ARM you select. The two most common ARM adjustments periods are yearly and monthly.

Learn more
For Typical Homeowners

Home Ready Loan

So, what is a HomeReady loan? A HomeReady mortgage is a conventional, yet flexible, home loan offered by Fannie Mae. It is meant to help low-income to moderate-income borrowers buy for the first time or refinance an existing loan. You are an ideal HomeReady borrower if you have low income, are a first-time or repeat homebuyer, and have limited cash for down payment. HomeReady loans reduce the typical down payment and mortgage insurance requirements.

Learn more
For Typical Homeowners

Home Possible Loan

A Home Possible Mortgage is a conventional load program created by Freddie Mac. It is a low down payment mortgage option for first-time homebuyers and low- to moderate-income borrowers.

Learn more
For Typical Homeowners

FHA Streamline Refinances

A VA IRRRL is a specific refinancing program for people with a VA home loan. If you are eligible and approved, an IRRRL will lower your monthly payment by lowering your interest rate. Or, it will make your monthly payments the same by changing your adjustable or variable interest rate to a fixed interest rate.

Learn more
For Typical Homeowners

FHA Loans

An FHA Loan, or Federal Housing Administration Loan, is a mortgage insured by the government. This allows for lenient lending standards compared with conventional loans, a perk that helps homeowners who may not qualify for conventional loans, which require higher credit scores and often a larger down payment.

Learn more
For Typical Homeowners

Jumbo Loan

A Jumbo Loan is also known as a conventional conforming loan. As such, the maximum loan amount will be different for each lender. Furthermore, there are various term options for Jumbo Loans. This type of loan can be used to buy your primary home, a vacation home or investment properties.

Learn more
For Typical Homeowners

VA Loans

VA home loans are provided by private lenders, such as Secure Choice Lending. A portion of the loan is guaranteed by the U.S. Department of Veterans Affairs. This enables the lender to provide you with more favorable terms.

Learn more
For Typical Homeowners

VA IRRRL

A VA IRRRL is a specific refinancing program for people with a VA home loan. If you are eligible and approved, an IRRRL will lower your monthly payment by lowering your interest rate. Or, it will make your monthly payments the same by changing your adjustable or variable interest rate to a fixed interest rate.

Learn more
For Typical Homeowners

Conventional Loans

A conventional loan is a mortgage that is not guaranteed or insured by the Federal Housing Administration (FHA), the Department of Veteran Affairs (VA) or any other government agency.

Learn more
For Typical Homeowners

Fixed Rate Loan

A fixed rate loan is a loan option that has an interest rate that doesn’t change during the period of the loan. It is widely considered the safest and more popular option. It protects you, the home buyer, against increases in interest rates over the life of the loan. This means you will know what your monthly payment is and that it will not change unless you change the terms of your loan through refinance or other means. Because of your monthly payment stability, you can make better budget decisions.

Learn more
For Typical Homeowners

Adjustable Rate Loan

An adjustable rate loan which is commonly referred to as ARM for adjustable rate mortgage is a type of mortgage where the interest rate on the outstanding balance varies throughout the life of the loan. However, the initial interest rate is fixed for a period of time and after that it resets periodically based on the type of ARM you select. The two most common ARM adjustments periods are yearly and monthly.

Learn more
For Typical Homeowners

Home Ready Loan

So, what is a HomeReady loan? A HomeReady mortgage is a conventional, yet flexible, home loan offered by Fannie Mae. It is meant to help low-income to moderate-income borrowers buy for the first time or refinance an existing loan. You are an ideal HomeReady borrower if you have low income, are a first-time or repeat homebuyer, and have limited cash for down payment. HomeReady loans reduce the typical down payment and mortgage insurance requirements.

Learn more
For Typical Homeowners

Home Possible Loan

A Home Possible Mortgage is a conventional load program created by Freddie Mac. It is a low down payment mortgage option for first-time homebuyers and low- to moderate-income borrowers.

Learn more
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Looking to Refinance?

Refinancing can be a confusing process. We’ll ensure you find it smooth and easy to adjust your existing debt obligations for your benefit.