Refinance

Do you need to refinance your mortgage as fast as possible?  

Whether you need to lower your monthly payment, cash out refinance, consolidate debts, or some other refinancing purpose, we can close your loan quickly.

How to Refinance Fast – Quickest Refinance Closing 

One of our greatest strengths is rapidly processing and closing refinance loans.  We are a direct lender and therefore approve, process, and close our own loans.  When you speak with a loan specialist, they will be able to inform you of a estimated closing date.  Many refinance loans close in 4-7 days.  Our goal is to close your loan in 10 days or less.   If you have an urgent need, such as needing to cash out refinance fast, we will place an “urgent status” in order to priority process your loan.

Fast Closing Refinance Loan Programs 

We offer all major types of refinance loan programs, including conventional, FHA, VA, and USDA loans.

• Conventional – Conventional loans are available for both rate and term refinancing and cash out refinancing.  If you want to lower your payment a rate and term loan may be the solution for you.  If you wish to take out equity out of your home, you will want to look at a conventional cash out refinance.  All of our conventional mortgage refinance products can close quickly (most often within two weeks or less).
• FHA Loans – FHA refinancing is available for both cash out refinancing and a fast and easy streamline program to reduce your payments.  Both the FHA cash out refinance and FHA streamline refinance can be closed very quickly if you provide necessary documentation in a timely manner.
• VA Loans – VA loans offer 100% financing on cash out refinancing, and also an interest rate reduction refinance loan (IRRRL).  The VA IRRRL streamline refinance program is similar to the FHA streamline program and requires little documentation and can close fast.
• USDA Loans – USDA loans are only available to reduce monthly payments.  The USDA streamline refinance loan is a quick and easy way to lower your monthly payment.

Below are some steps you can take to ensure a speedily loan process:

Step 1:  Get Approved Right Away.

When you discuss your loan needs with a loan officer, you will have the opportunity to apply.  If you decide to apply and you qualify, you should receive an approval in less than 24 hours.  This conditional approval outline what conditions are required in order to close.

Step 2:  Submit Conditions Quickly

Be sure to provide us with all the conditions as quickly as you can (these conditions usually consist of paperwork such as income documents and bank statements).  Our underwriters can efficiently review what you submit and “clear the conditions”.

If you are doing an FHA to FHA refinance, VA to VA refinance, or USDA to USDA refinance, you may qualify for a streamline program.  The FHA streamline refinance, USDA streamline refinance, and VA IRRRL all do not require an appraisal, income documentation, or a credit check.  These types of loans can be close at impressive speeds.

Step 3:  Be Prepared to Close

Be prepared close your loan on short notice.  We process loans efficiently and clear conditions usually within hours of receiving them (during working hours).  Once all of the required documentation and conditions have been cleared we will receive the “loan docs” which will be prepared by the title company.  We will help coordinate your closing at your earliest convenience.  If you are in a hurry, we recommend taking the first opportunity the title company offers to come in and sign your loan documents.

Would you like to request a free consultation or apply?  It is best to make the request online, and a loan representative will call or email you (if you prefer email) and you can discuss your loan needs.  You can apply and inform them of what date you need to close by.

Refinancing replaces your current mortgage with a new one — usually to lower your rate, change your term, or pull cash out of your home's equity. Fast Close Mortgage processes and closes refinance loans in as little as 14 days.

Do you need to refinance your mortgage as fast as possible?

One of our greatest strengths is rapidly processing and closing refinance loans. We are a direct lender — no broker markups, no retail overhead — so we can offer competitive rates and fast turnarounds.

Rate-and-Term Refinance

If your current rate is higher than today's market rate, a rate-and-term refinance can lower your monthly payment, shorten your loan term, or both. Most useful when rates have dropped 0.5%+ since you locked your current loan.

Cash-Out Refinance

Pull equity out of your home for renovations, debt consolidation, college tuition, or other large expenses. Most lenders allow up to 80% loan-to-value (LTV) on cash-out refinances. Learn more about cash-out refinance.

Refinance Programs We Offer

• Conventional refinance — competitive rates, no MIP
• FHA streamline refinance — simplified docs for existing FHA borrowers
• VA IRRRL — quick refinance for existing VA loans
• USDA refinance — for rural property owners

How Fast Can You Close?

Typical refinance timeline: 14–30 days from application to closing. We have closed refinances in as little as 10 business days when appraisal and title work cooperated. Lock your rate with us and we'll handle the rest.

Refinancing may not always be in your financial interest. Consult a financial advisor before refinancing.