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Refinance

Refinance Your Existing Mortgage

We offer a variety of mortgage solutions tailored to your financial goals, whether you’re refinancing your current home, vacation property, or investment. Our team is here to guide you every step of the way.

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Refinance Your Existing Mortgage

Refinance with Confidence

1

Apply

Start your refinance journey by getting in touch to complete a simple application. Provide your property and financial details so our team can determine the best loan options for you.

2

Review Options

We’ll guide you through the loan programs that fit your goals, whether it’s lowering your rate, reducing your payment, or accessing your home’s equity. Compare your options and choose the solution that works best.

3

Close

Once you select your loan, we help handle the paperwork and finalize your refinance. In just one closing, you’ll have a new loan with terms tailored to your needs.

Refinance Your Home

Lower your interest rate, reduce monthly payments, or access cash from your home’s equity. Choose from options like 30-, 20-, and 15-year fixed rate mortgages.

Lock in Lower Rates

Lock in Lower Rates

Switch from a high-rate or adjustable mortgage to a lower fixed rate to reduce risk and save money.

Reduce Monthly Payments

Reduce Monthly Payments

Lower your payments by refinancing to a longer term or lower interest rate.

Leverage Equity

Leverage Equity

Use a cash-out refinance to tap into your home’s equity for renovations, tuition, or other investments.

Consolidate Debt

Consolidate Debt

Combine high-interest loans into one predictable, lower-rate mortgage for easier financial management.

Refinance Your Manufactured Home with Ease

Manufactured Home Loan

Refinance Your Manufactured Home with Ease

Looking to refinance your manufactured home? We offer specialized lending solutions designed to fit your needs—whether you’re lowering your rate, reducing monthly payments, or tapping into your home’s equity. Our experts guide you through every step, making the refinancing process smooth, fast, and stress-free.

Manufactured Home Loans

Tools & Resources to Guide Your Homeownership Journey

Calculators ›

Quickly estimate payments, compare loan options, and see how different rates or terms impact your mortgage. Make smarter decisions with just a few clicks.

Education Center ›

Learn the ins and outs of home buying, refinancing, and financing options. Our guides and articles help you feel confident every step of the way.

Helpful Checklists ›

Stay organized with easy-to-use checklists for every stage. From prequalification to closing. Keep track of what’s needed so nothing is overlooked.

All Resources ›

Tools & Resources to Guide Your Homeownership Journey

eLEND Loan Options

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Temporary Buydown

A Temporary Buydown uses seller credits to lower your monthly payments for the first one or two years, freeing up cash for other expenses.

  • Lower payments early on
  • Easier mortgage transition
  • Seller-paid savings
  • Buy
  • Low Down Payment
  • Manufactured Home
  • Save on Interest
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VA Home Loans

Use your VA benefits to buy or refinance with $0 down, no PMI, and competitive rates — fast and simple.

  • 0% down payment
  • No PMI required
  • Competitive low rates
  • Buy
  • Get Cash Out
  • Low Down Payment
  • Manufactured Home
  • Save on Interest
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15-Year Fixed

A 15-year fixed-rate mortgage lets you pay off your home faster, save on interest, and build equity sooner.

  • Fixed rate for the life of the loan
  • Pay less interest over time
  • Build equity faster
  • Buy
  • Refinance
  • Save on Interest
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Cash-Out Refinance

Need cash fast? You can tap your home’s equity, keep your current mortgage rate, and enjoy fixed payments — no refinancing required.

  • Keep your existing mortgage and rate
  • Get cash in one lump sum
  • Fixed payments and term
  • Get Cash Out
  • Manufactured Home
  • Refinance
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Home Equity Loan

Unlock the value in your home to get a lump sum for expenses like renovations, debt consolidation, or other major costs—without changing your current mortgage.

  • Access cash without refinancing
  • Keep your existing mortgage rate
  • Fixed monthly payments
  • Get Cash Out
  • Manufactured Home
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HomeReady and Home Possible

Our programs are designed to make buying a home easier than you might think. With as little as 3% down and potential credits to lower your upfront costs, you could save thousands while stepping into your new home.

  • Low 3% down payment
  • Reduced mortgage insurance
  • Flexible qualification options
  • Buy
  • Low Down Payment
  • Manufactured Home
  • Save on Interest
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30-Year Fixed

The most popular home loan option with predictable payments and flexible terms. A longer repayment period means lower monthly payments.

  • Lower monthly payments
  • Fixed, predictable rate
  • Buy with as little as 3% down
  • Buy
  • Low Down Payment
  • Manufactured Home
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FHA Loan

Helps borrowers with lower credit scores or higher debt buy or refinance a home with a smaller down payment.

  • Low down payment: 3.5%
  • Easier credit and debt requirements
  • Buy or refinance options
  • Buy
  • Low Down Payment
  • Manufactured Home
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eLEND Direct

A Fresh Look, Same Trusted eLEND

eLEND DIRECT has a new modern look, but our mission remains the same: making the mortgage process simple, transparent, and stress-free for today's borrower.Our rebrand reflects the technology-driven, customer-first experience we're building for the future.

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