
REFINANCING
Lower Your Payments, Reduce Your Rate, or Tap Into Your Home Equity
Refinancing your mortgage can help you save money, lower your monthly payments, shorten your loan term, or access home equity for major expenses. Whether you're looking to lock in a lower rate, eliminate private mortgage insurance (PMI), or consolidate debt, Trust Lending offers multiple refinancing options tailored to your financial needs.
WHAT TYPE OF REFINANCING LOAN IS BEST FOR YOU?
Each homeowner has unique financial goals. Here are the most common refinancing options to help you decide which one is right for you.

Conventional Refinance
Lower Your Rate & Payments
A Conventional Refinance is ideal for homeowners looking to reduce their interest rate, lower monthly payments, or adjust their loan term.
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Lower interest rates – Save money over the life of your loan
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No mortgage insurance is required (if you have at least 20% equity)
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Fixed or adjustable-rate mortgage (ARM) options available
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Great for borrowers with strong credit & stable income

FHA Streamline Refinance
Fast, No-Hassle Refinancing
An FHA Streamline Refinance is a simplified process for homeowners with existing FHA loans to lower their interest rate with minimal paperwork.
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No home appraisal required – Faster approval process
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No income verification needed – Easier qualification
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Lower your rate and payment with minimal documentation
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Perfect for homeowners with an existing FHA loan

VA Refinance
Exclusive Benefits for Veterans & Military Families
A VA Refinance allows eligible veterans, active-duty service members, and military spouses to lower their mortgage payments or tap into home equity.
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VA Interest Rate Reduction Refinance Loan (IRRRL) – Streamlined process for lower rates
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Cash-out refinance available – Access home equity for major expenses
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No private mortgage insurance (PMI) required
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Exclusive to VA loan holders

HARD Refinance (Expired)
Alternative Refinance Options
The HARP Program ended in 2018, but alternative refinance options are available for homeowners with little or no equity.
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Lower your mortgage payment even if your home value has dropped
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Freddie Mac Enhanced Relief Refinance (FMERR) & Fannie Mae High LTV Refinance available
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No mortgage insurance required in most cases
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Great for homeowners who previously did not qualify for traditional refinancing

Cash-Out Refinance
Convert Home Equity Into Cash
A Cash-Out Refinance allows you to tap into your home equity and receive a lump sum of cash for major expenses.
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Use funds for home renovations, debt consolidation, or investments
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Lower your mortgage rate while accessing extra cash
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Available for FHA, VA, and conventional loans
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Minimum home equity of 20% required (varies by lender)
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12-Month Bank Statement Refinance
Ideal for Self-Employed Borrowers
A 12-month Bank Statement Loan allows self-employed individuals to refinance using bank deposits instead of tax returns.
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No W-2s or tax returns required
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Qualify using 12 months of bank statements
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Flexible loan terms & competitive rates
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Great for freelancers, business owners & independent contractors
WHY CHOOSE TRUST LENDING FOR YOUR YOUR REFINANCE?
At Trust Lending, we make refinancing fast, simple, and tailored to your financial goals. Whether you're looking to lower your rate, shorten your loan term, or access home equity, our team will help you find the best refinancing solution.
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Personalized Loan Options – We match you with the best refinance program
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Competitive Interest Rates – Save more on your monthly mortgage payment
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Fast & Hassle-Free Approvals – Quick processing for a smooth refinance
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Expert Guidance – Work with refinance specialists to get the best deal
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Technology-Driven Service – Secure, seamless, and fully online mortgage experience

At Trust Lending, we believe buying or refinancing a home is a matter of trust—and we’re here to earn yours. With over 15 years of experience, we’ve helped countless homebuyers and homeowners secure affordable, flexible mortgage solutions tailored to their needs.
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Personalized Loan Solutions – We customize every loan to match your financial goals.
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Expert Guidance – Our experienced team walks you through every step of the process.
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Fast & Smooth Approvals – We streamline the process to get you approved quickly.
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Technology-Driven Service – We invest in the latest tools to make your experience hassle-free.
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Strict Compliance & Integrity – We follow all industry best practices, ensuring transparency and trust.