Mortgage loan programs
Hard Money Refinance Options
Hard money refinance is a property-focused financing option for eligible transactions. LendEase can help you explore lender requirements, available equity and possible alternatives for your existing mortgage.
Alternative documentation and property review
The featured homepage program includes no-income-verification options for eligible scenarios. This describes a documentation approach, not automatic approval without income or underwriting. Lenders may review the property, credit, assets, reserves and other qualifications. Confirm the required documents and acceptable loan purpose for your transaction.
Can my existing equity help?
Your original down payment may have helped build equity. A refinance lender may consider available equity toward its loan-to-value requirements, so a new down payment may not be required. Eligibility depends on current appraised value, the existing balance and lender guidelines. Closing costs, fees, reserves or a cash contribution may still be required.
Does the property need to be an investment?
Occupancy and loan purpose matter. Confirm whether an option is available for your property and circumstances; do not assume a business-purpose or rental-property program can be used for an owner-occupied home. First-time homeowners can ask about refinance eligibility, subject to lender review.
Costs and repayment terms to understand
- Interest rate, origination fees and closing costs.
- Loan term, payment structure and any balloon payment.
- Prepayment conditions and a realistic repayment plan.
- Whether a conventional or other refinance option better fits your goals.
Florida homestead eligibility is determined separately by the county property appraiser. A refinance program does not itself qualify a property for the exemption.
Explore cash-out refinancing · Compare refinance options
Subject to lender guidelines, borrower eligibility, property requirements and underwriting approval. Program availability and documentation requirements vary.