Exploring Your Refinance Options

Which Loan Type is Right for You?

After you’ve established your refinancing goal, it’s time to decide which type of loan can help you get there, whether it’s to help lower your payment, take cash out or change your loan term.

Available Nutter Home Refinancing Programs

Your refinancing options will likely be determined by a combination of factors such as what type of refinance you want to do, the remaining principal balance on your loan as compared to the value of your house (aka ‘loan-to-value ratio’), your credit score and/or current interest rates. See our current mortgage rates.

Another factor that can determine your refinancing options is the type of home loan you currently have, such as Conventional, FHA, VA, or USDA. In some cases, there are special home refinance programs that may be available to homeowners who already have an existing loan in one of these categories.

Select your current loan type:

  • Traditional Home Refinance – Lower your interest rate, shorten your loan term, get rid of expensive PMI or refinance from an adjustable rate mortgage to a fixed rate mortgage.
  • Cash-Out Home Refinance – Get the cash you need for any purpose, such as renovating your home, paying off other debts such as credit cards, or eliminate a risky Home Equity Line of Credit (HELOC).
  • HARP (Home Affordable Refinance Program) – A special refinance program for homeowners who have an existing Conventional Loan that allows you to lower your interest rate without an appraisal and without having to meet other traditional underwriting guidelines (special conditions apply).

Learn more about Conventional Home Loans.

  • Traditional Home Refinance – Lower your interest rate, shorten your loan term or refinance from an adjustable rate mortgage to a fixed rate mortgage.
  • Streamline FHA Home Refinance – A special refinance program available only to homeowners with an existing FHA Loan that allows you to lower your interest rate or shorten your loan term without an appraisal and without having to meet other traditional underwriting guidelines (special conditions apply).
  • Cash-Out Home Refinance - Get the cash you need for any purpose, such as renovating your home, paying off other debts such as credit cards, or eliminating a risky Home Equity Line of Credit (HELOC).

Learn more about FHA Home Loans.

  • Traditional Home Refinance – Lower your interest rate, shorten your loan term or refinance from an adjustable rate mortgage to a fixed rate mortgage (special VA eligibility conditions apply).
  • Streamline VA Home Refinance (IRRLA) – A special refinance program available only to military Veterans with an existing VA Loan, which allows you to lower your interest rate or shorten your loan term without an appraisal and without having to meet other traditional underwriting guidelines (special VA eligibility conditions apply).
  • Cash-Out Home Refinance - Get the cash you need for any purpose, such as renovating your home, paying off other debts such as credit cards, or eliminating a risky Home Equity Line of Credit (HELOC) (special VA eligibility conditions apply).

Learn more about VA Home Loans.

  • Traditional Home Refinance – Lower your interest rate, shorten your loan term or refinance from an adjustable rate mortgage to a fixed rate mortgage (special USDA eligibility conditions apply).
  • Streamline VA Home Refinance (IRRLA) – A special refinance program available only to homeowners with an existing USDA Loan, which allows you to lower your interest rate or shorten your loan term without an appraisal and without having to meet other traditional underwriting guidelines (special USDA eligibility conditions apply).

Learn more about USDA Home Loans.

Talk to a Nutter Loan Officer call 1-800-875-7334 or send us an email.

Back Next - Refinancing with Nutter


OR

Contact Us (800) 875-7334