A Fresh Approach to Refinancing

Simple qualifying home loans that help self-employed borrowers and real estate investors refinance a mortgage.

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More home loan options than ever

Flexible mortgage loans for business owners, freelancers, entrepreneurs, and real estate investors

Bank Statement Loans

THE SELF-EMPLOYED
MORTGAGE SOLUTION
  • Enjoy market leading unbeatable 30-year fixed rates (buydowns available)
  • Interest only option, 40-year fixed term, 10-year interest only period 
  • Loan amounts from $250,000 to $7 million
  • Purchase a home with little as 10% down
  • Refinance cash-out up to 85% of property value
  • Property Types: Single family, condo, townhome, and 2-4 units



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DSCR Rental Loans

SIMPLE QUALIFYING RENTAL LOANS DESIGNED
FOR REAL ESTATE INVESTORS
  • Enjoy market leading unbeatable 30-year fixed rates (buydowns available)
  • Interest only option, 40-year fixed term, 10-year interest only period 
  • Loan amounts from $250,000 to $5 million
  • Buy or refinance up to 80% of property value
  • The title is Flexible: your property can be purchased or refinanced under an LLC, corporation, or your individual name
  • Property types: Single family, condo, townhome, and 2-4 units

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Benefits of Refinancing using a Bank Statement Loan or a No-DSCR Loan

  • Reduce your interest rate. depending on what your current loan’s interest rate is, you may be able to reduce your monthly payment and your total interest paid.

  • Consolidate high – interest debts. Have other debts with high interest rates? use a bank statement loan or No-DSCR loan to refinance to consolidate them into one, Low-interest monthly payment.

  • Do those home improvements you’ve been putting off? Tap your home equity with a cash-out refinance, and free up cash to make home repairs, renovations, and other value – adding updates.

  • Get capital to grow your business, purchase investment property, or any reason. Need to invest in new supplies or inventory? Need cash on hand to take advantage of property investment opportunity?

Rated Excellent by our Refinance Borrowers

Excellent

Trustpilot
Darrin and team is superb! I had a stress free less than 30 day closing on my new investment property purchase. They did a “No Doc” loan for me where they only had a credit report requirement. The team is very responsive and kept me updated…

Sharmila S.

We used HomeLife for a bank statement loan since we are self employed and this was a fantastic experience! The entire team, Jayne, Darrin, Esther and everyone at HomeLife was a pleasure to work with and super responsive. I would highly recommend…

Amber A.

I would highly recommend Darrin Seppinni for your loan. I am here to say you do not have to go anywhere else. This great man and his wife Jayne and their staff got my wife and I a loan on a home with a 21 day escrow in the hottest sellers’ market…

Douglas Pettibone

I can't say enough good things about this company. Without them, I'd not be in the new home we dreamed of. As long as my tax returns don't support the mortgage value I need, these guys will be my first call! I've already referred 3 friends...

Sean M.

Refinancing Made Easy

1

Get a Consultation

Expert advice, discuss qualifications, and get informed on the step by step process.

2

Loan Approval

Get a full underwritten Pre-Approval in just 48 hours. Know your rate and closing costs from the very beginning. Never second guess yourself again.

3

Closing Time

Appraisal plus final underwriting to Close in 30 days or less. We make it easy for you.

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