RefiGuide offers prudent suggestions, dynamic commentary from experts in the industry, news, new home loan and refinance opportunities from leading banks and lenders and so much more.
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Founded in 2009, The RefiGuide began as a blog aiming to connect consumers with banks and mortgage lenders. Home buyers appreciate its practical, no-nonsense approach to mortgage and real estate topics.
Unlike traditional lending websites, the RefiGuide was built for everyday homeowners and buyers—not industry insiders. As our reputation for helpful and insightful content grew, so did its audience, reaching millions annually.
Learn moreYou don't need to be a scientist to figure it out. You shouldn’t have to get on a rocket to find a competitive home loan.
Our goal is to simplify mortgage refinancing and home buying, because it shouldn’t take a rocket Side-by-side comparisons, rate calculators and “how to” articles to help you make critical decisions in a timely manner.
Tell us more about your goals and financing needs and we'll suggest the appropriate loans for cash out, debt consolidation, home buying, construction and house renovation with helpful ways to improve your credit score and more.
When lenders reach out to you, you'll have a chance to learn about their full suite of mortgage and lending-related products, services, and offers.
In 2025, with median home prices at $412,300 (National Association of Realtors) and 30-year mortgage rates at 6.8% (Bankrate), first-time home buyers face steep challenges. President Trump’s 2025 housing initiatives aim to ease these barriers through tax incentives, deregulation, and federal land development. The RefiGuide continues to explore these 1st time home programs, their eligibility,… Read More »
In 2025, a stated income Home Equity Line of Credit offers homeowners a flexible way to leverage their home’s equity without the burden of traditional income verification. This financing option is particularly appealing for self-employed individuals, retirees, or those with non-traditional income sources. Let’s consider the key highlights of stated income HELOCs, their credit score… Read More »
Refinancing a house can lower payments, reduce interest rates, shorten loan terms, or access equity. In 2025, economic conditions and personal finances determine if it’s the right move. Let’s explore home refinancing in 2025, covering market trends and consider the pros and cons. How Do Home Refinance Rates Look in 2025? Refinancing mortgage rates in… Read More »
Non-Qualified Mortgage often called Non QM loans have emerged as a vital financing option for borrowers who do not meet the stringent requirements of traditional Qualified Mortgage loans. Non QM loans were introduced after the 2008 financial crisis under the Dodd-Frank Act, QM loans adhere to strict guidelines set by the Consumer Financial Protection Bureau… Read More »
Tapping your home’s equity seems like every homeowners right in the U.S. But can you still get a HELOC with bad credit? Traditional lenders often prioritize credit scores in their approval processes, leaving many American borrowers to wonder: In today’s complex market, is it still possible to take out a HELOC with low credit? While… Read More »
Several niche lenders recently announced the Home Equity Line of Credit is now available as a fixed rate HELOC loan with competitive interest rates. The HELOC fixed interest rate option locks in the rates for a specific term. While most traditional home equity line of credit have variable rates, there are a few trusted lenders… Read More »
A home equity loan is powerful and popular second mortgage that allows homeowners to tap into the value of their property to secure funds for various purposes like home improvement projects, consolidating credit card debt, or emergency expenses that happen in life. But if you’re considering a home equity loan or equity line of credit… Read More »
Unlike getting a home equity line of credit on a primary residence , securing a HELOC on a investment property faces stricter requirements and higher rates (7.5–10% APR vs. 6.99–8.27%) due to increased lender risk, as real estate investors may prioritize primary home payments during financial distress. In 2025, with U.S. median home prices at… Read More »
For several decades the FHA cash-out refinance plan has helped millions of Americans with affordable refinancing with cash out opportunities that do not require as much equity as most conventional mortgages. Do you want to refinance your FHA loan into a lower rate and get cash out? The RefiGuide will help learn everything you need… Read More »
FHA mortgages have been a driving force in the housing industry offering affordable home financing for over five decades. Are you considering an FHA mortgage to buy your next home? If so, you probably have a lot of questions about the FHA loan process and what you need to do to be approved. It is… Read More »
With the popularity of crypto currency surging like the upward trend of mortgage rates, Americans want to know if they can buy a home and get qualified for a mortgage using crypto currency in today’s marketplace. The RefiGuide published this article to outline the steps to find crypto mortgage lenders, lists the mortgage companies accepting… Read More »
Most of us like to invest our money in ways that make us more money. But most people tend to invest only in the stock market. There is nothing wrong with that, but it looks like next year could be a good year to buy an investment property to generate rental income. With rental income,… Read More »
Purchasing a first home in Hawaii is a dream for many, but the state’s high cost of living and median home prices—around $740,000 as of February 2025—can make it daunting. Fortunately, a variety of trusted programs exist to support HI first-time home buyers, offering down payment assistance, grants, low-interest loans, and tax credits. The Hawaii… Read More »
Bank statement loans have replaced the stated income programs that were so popular last decade. Banks and lenders have gained wisdom in recent years and rolled out bank statement mortgage loans that are less risky because they enable a borrower to prove that they can afford to make their monthly mortgage payment. The most popular… Read More »
A second mortgage program like a home equity loan or HELOC, allows you to borrow against your primary home’s equity to buy of another home, whether for investment (e.g., rental or fix-and-flip) or personal use (e.g., vacation home). This 2nd-mortgage loan offers lower interest rates than unsecured loans and potential tax benefits, but it carries… Read More »
A fix and flip loan is a short-term loan designed for real estate investors who purchase properties, renovate them, and quickly sell them for profit. These loans are typically provided by private lenders or hard money lenders and offer fast approvals with flexible terms. Fix and flip loans usually have higher interest rates (8-15%), short… Read More »
DSCR loans evaluate a property’s ability to generate enough rental income to cover its debt obligations, calculated as Net Operating Income (NOI) divided by annual debt service (principal, interest, taxes, insurance, HOA). Unlike conventional loans, DSCR loans don’t require personal income verification, making them accessible for investors with complex financials. In 2025, with rental demand… Read More »
Self-employed borrowers sometimes face more challenges when getting a home loan by stating their income. If you have an income that is more difficult to document, this can make it more difficult for the underwriter to approve your mortgage application and this is where the bank statement loan comes in. Bank statement mortgages differ from… Read More »
The good news for Colorado home buyers in 2025 is there are a variety of state, local, and federal programs offer down payment assistance (DPA), grants, low-interest home loans, and tax incentives to make homeownership more accessible. The RefiGuide published this guide to uncover the best Colorado first-time home buyer programs, including statewide and local… Read More »
In 2025, homeowners seeking to leverage their property’s equity have a variety of options across the United States. Home equity loans and HELOCs offer avenues to access funds for purposes such as home remodeling, consolidating debt, or educational expenses. It’s not surprising that many of the high cost states like California, Colorado, Florida New Jersey,… Read More »
