Refinance Loan Programs

Refinancing your home can be a smart way to manage your budget. A refinance mortgage can help lower your monthly payment, pay off your home sooner, or use your home's equity to eliminate high-interest debt.

Get started today and refinance with ZERO Closing Costs!
Apply now
Refinance mortgage calculator
Buying a home? Check out our purchase products.
A young couple celebrating the money they have saved from refinancing their home.
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What are my home refinance options?

Refinances can help reduce interest rate

Rate and Term Refinance

Refinance to reduce your mortgage rate or change your mortgage loan term.
Learn more about Rate and Term Refinances >>
Refinances can help you take cash out of your home

Cash Out Refinance

Refinance your mortgage and take cash out of your home's equity.
Learn more about Cash Out Refinances>>
FHA Streamline refinances have relaxed documentation requirements

Streamline Refinance

Refinance your existing FHA or VA mortgage through streamlined programs with relaxed documentation requirements.
Learn more about Streamline Refinances>>

Conventional Refinance Mortgages

A Conventional refinance mortgage is typically best for applicants with a credit score of 700+.
A young black family celebrating their home refinance savings.

Available loan terms

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30-year Conventional refinance
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20-year Conventional refinance
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15-year Conventional refinance
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10-year Conventional refinance

Available rates

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Fixed-rate refinance
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Adjustable-rate refinance

Conventional Rate & Term Refinance Programs

Program

Best for

Advantages

Conventional Refinance
Learn more about Conventional Refinances
Homeowners with excellent credit and average income requiring a loan less than $766,550
Offers the widest variety of loan terms, ranging from 30-year to 10-year mortgages
Home Ready
& Home Possible Refinance
Homeowners with low income
Avoid Fannie Mae & Freddie Mac fees related to your credit score
Jumbo Loan Refinance
Homeowners that require a loan exceeding $766,550
Extends credit for high-dollar homes
Community Assistance Grant
Learn more about Community Assistance Loans
Receive up to $4,500 in grants used to reduce your interest rate or cash-to-close
Receive up to $4,500 in grants used to reduce your interest rate or cash-to-close

Conventional Cash Out Refinance Programs

Program

Best for

Advantages

Conventional Cash Out Refinance
Learn more about Cash Out Refinances
Homeowners with excellent credit and average income requiring a loan less than $766,550
Offers the widest variety of loan terms, ranging from 30-year to 10-year mortgages
Jumbo Cash Out Refinance
Homeowners that require a loan exceeding $766,550
Extends credit for high-dollar homes

FHA Refinance Mortgages

FHA refinance mortgages are best suited for homeowners working to build their credit (620 - 700).
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Available loan terms

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30-year FHA refinance
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15-year FHA refinance

Available rates

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Fixed-rate FHA refinance

FHA Rate & Term Refinance Programs

Program

Best for

Advantages

FHA Refinance
Learn more about an FHA Refinance
Homeowners working on improving their credit who don't have an existing FHA mortgage
Easier credit qualification

FHA Cash Out Refinance Programs

Program

Best for

Advantages

FHA Cash Out Refinance
Learn more about an FHA Cash Out Refinance
Homeowners working on improving their credit
Easier credit qualification

FHA Streamline Refinance Programs

Program

Best for

Advantages

FHA Streamline Refinance
Learn more about an FHA Streamline Refinance
Homeowners who are refinancing their existing FHA mortgage
Enjoy a streamlined underwriting process with relaxed documentation requirements

VA Refinance Mortgages

Veteran's Affairs, or VA, refinance mortgages are reserved for retired and active duty military.
A military family that recently refinanced their home with a VA mortgage.

Available loan terms

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30-year VA refinance
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15-year VA refinance

Available rates

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Fixed-rate VA refinance

VA Rate & Term Refinance Programs

Program

Best for

Advantages

VA Refinance
Learn more about VA Mortgage Refinances
Homeowners who are retired or active duty military
Borrow up to 100% of your home's value without Private Mortgage Insurance (PMI)

VA Cash Out Refinance Programs

Program

Best for

Advantages

VA Cash Out Refinance
Learn more about VA Cash Out Refinances
Homeowners who are retired or active duty military
No Private Mortgage Insurance (PMI)

VA Streamline Refinance Programs

Program

Best for

Advantages

VA Interest Rate Reduction Refinance Loan (IRRRL)
Learn more about VA IRRRL Refinances
Homeowners who are refinancing their existing VA mortgage
Enjoy a streamlined underwriting process with relaxed documentation requirements

We refinance most property types.

Whether you're refinancing a condo or a suburban single-family home, CapCenter has your back.
home with American flag
condo building
townhome
manufactured home

Single-family homes

The classic picture of an American home. A free-standing home on its own piece of property.

Condos

Most popular in urban areas. Condos are like apartments, but are independently owned.

Manufactured homes

A manufactured home is a factory-built home on a fixed chassis built after June, 15 1976.

Townhomes

Similar to a single-family home but shares a wall with an adjoining property.

Multi-unit properties

A property that contains 2-4 living areas for separate families to inhabit. An example of a multi-unit home is a duplex.

Primary residences

The property will be occupied by the home owner for more than six months of the year.

Investment properties

The property will not be occupied by the home owner and will be used to generate income. An example is a property bought with the intention to rent out.

Vacation homes / 2nd homes

The property is occupied by the home owner for less than six months of the year.

We can refinance investment properties and vacation homes.

Need help finding a home? You can search homes for sale on our Real Estate site.
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Today's refinance mortgage rates

Is now a good time to refinance?

Ready to take the next step?
One of our expert Loan Consultants can help align you to the best product.
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