Refinance with Confidence with NYFTY Lending

Whether you want to access your home equity or change your loan terms, refinancing can be a powerful tool to help you reach your goals. NYFTY Lending can help match you to the right program for your needs, so you can take the next step towards a brighter financial future.

Alternatives to a Refinancing with an ARM

Discover how NYFTY Lending simplifies mortgage refinancing with a streamlined process and expert guidance. No matter what your end goal is, you can trust us to provide customized solutions that fit your financial needs.

Refinance Loans

Reverse Mortgage (HECM)

Best for home-owners age 62+ A reverse mortgage gives senior homeowners age 62+ the opportunity to convert their equity into cash without monthly repayments and without having to leave their home.More

HELOCs & HELOANs

Best for high-equity home owners Home Equity Loans (HELOANs) and Home Equity Lines of Credit (HELOCs) can be a powerful tool for accessing the value of your home. Learn about this program below. More

Conventional Mortgage

Best for high-equity home owners Refinancing your mortgage with a conventional loan can let you adjust terms like your interest rate, monthly payment amount, and how long you have to repay. More

Government-Backed Refinancing

Best for building a home Government-backed refinancing can be a flexible solution for managing monthly payments and accessing home equity. We break down your options below and how to know what’s right for you. More

FHA Refinancing

Best for low credit scores FHA refinancing gives homeowners who need flexible eligibility criteria the option to consolidate debt or change their mortgage terms with a loan backed by the Federal Housing Administration.More

VA Refinancing

Best for U.S. Veterans U.S. Veterans and other eligible borrowers have two options when refinancing their VA loan, including the Interest Rate Reduction Refinance Loan (IRRRL) and the VA Cash-Out Refinance. More

USDA Refinancing

Best for rural homeowners Borrowers with an existing USDA loan have three options to refinance their mortgage—a streamlined, non-streamlined, or streamlined-assist refinance.More

Non-QM Refinancing

Best for non-traditional borrowers Non-QM refinancing caters to borrowers with non-traditional income sources and allows for alternative financial documentation like P&L statements in lieu of W-2s and tax returns. More

Adjustable Rate Mortgage (ARM)

Best for lower initial payments Adjustable-rate refinancing offers attractive introductory interest rates and is an ideal option for borrowers who are planning to move or refinance again in a few years. More

Fixed-Rate Refinancing

Best for optimizing payments Fixed-rate refinancing lets borrowers lock in a stable interest rate for the rest of their mortgage, making monthly payments predictable and manageable.More

Jumbo Loans Refinancing

Best for high-value home owners Jumbo mortgages can be used to refinance high-value properties that surpass conventional loan limits, such as luxury homes and houses in sought-after neighborhoods. More

Cash-Out Refinancing

Best for high-equity homeowners Cash-out refinancing lets borrowers take out a new mortgage for more than what they owe and receive the remaining amount in cash to use for bills, renovations, or personal expenses. More

Construction Loan Refinancing

Best for the financially stable Once a newly-built home is complete, owners can convert their existing construction loan to a traditional mortgage to consolidate costs. More

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