Make Your Home Equity Work for You.

Refinancing your mortgage lets you tap into your home equity for cash and gives you better terms, lower interest rates, and more savings – all with one smart move.

Our Refinance Loan Programs

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

Fixed Rate Mortgage

Best for optimizing payments Fixed-rate mortgages for refinancing offer predictable monthly payments by locking in your interest rate for the life of the loan, potentially offering lower rates than your original mortgage. More

Adjustable-Rate Mortgages (ARM)

Best for lower initial payments Adjustable-Rate Refinancing allows homeowners to refinance their mortgage with a varying interest rate that typically rises over time. This option can help keep payments low during the initial loan period.More

Conventional Loans

Best for high-equity home owners Conventional loan refinancing replaces an existing mortgage with a new loan at a potentially lower interest rate. This option can reduce monthly payments and overall interest costs for existing homeowners.More

Jumbo Loans

Best for high-value home owners Jumbo loan refinancing allows high-value property owners to refinancing larger mortgages that exceed conventional loan limits. This option can secure better terms and help reduce monthly payments for luxury homes.More

Reverse Mortgage

Best for home-owners age 62+ Reverse mortgages allow homeowners age 62 and older to convert their existing home equity into cash without monthly payments. This offers an ideal option for supplementing retirement income and providing financial flexibility.More

VA Refinance Loans

Best for U.S. Veterans VA refinancing loans provide U.S. Veterans with a cost-effective way to manage the cost of their home by refinancing their mortgage at lower interest rates, potentially reducing monthly payments and overall loan costs.More

Non-QM Refinance

Best for non-traditional borrowers Non-QM refinancing offers flexibility for borrowers who don't meet traditional mortgage standards. It caters to those with non-standard income sources or higher debt levels, providing refinancing options based on individual circumstances.More

Cash Out Refinance

Best for high-equity homeowners Cash-out refinancing allows homeowners to leverage equity by refinancing their mortgage for more than they owe. The difference is given to the owner in cash for home improvements and other large expenses.More

FHA Refinancing

Best for low credit scores FHA refinancing replaces a current mortgage with an FHA-insured loan that offers benefits like lower interest rates and relaxed credit requirements for homeowners who want to improve their financial terms.More

Construction Loan Refinancing

Best for the financially stable Once construction is complete, owners of a newly built home may be able to replace their existing loan with a more traditional mortgage that consolidates costs and offers more favorable terms.More

USDA Loan Refinancing

Best for rural homeowners USDA Loan Refinancing is ideal for homeowners in rural areas that want to lower their interest rates, reduce monthly payments, and streamline their finances.More

Talk to a NYFTY Lending expert today about finding the perfect mortgage for you.

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Avoid delays by getting pre-approved before starting your home search. If you’ve already found your dream home, take the next step by finding the perfect mortgage to fit.

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