Refinance Your Mortgage - Lower Your Rate. Reshape Your Financial Future.

At Crestico Funding, we help homeowners refinance with confidence by offering low rates, customized loan options, and expert guidance from start to finish.

Get a Free Consultation
Step 1

Check Eligibility

Step 2

Payment Option

Step 3

Get Approved

Step 4

Close the Loan

Step 5

Repayment & Loan Terms

What Is a Refinance?

A mortgage refinance replaces your existing home loan with a new one, usually to achieve one or more of the following:

  • Lower your interest rate and monthly payment
  • Convert from an adjustable-rate to a fixed-rate mortgage
  • Access cash from your home’s equity (cash-out refinance)
  • Shorten your loan term to pay off your home faster
  • Remove mortgage insurance (PMI) if you’ve gained enough equity
  • Consolidate high-interest debts into one manageable payment

Refinance Scenarios We Specialize

At Crestico Funding, we work with all types of homeowners, including:

First-Time Refinancers
If this is your first time refinancing, we’ll guide you through the process, explain your options, and help you feel confident every step of the way.

Self-Employed Borrowers
We offer bank statement loans and stated income options so business owners, freelancers, and 1099 earners can refinance even without traditional W-2s.

Retirees & Seniors
Need to lower your monthly payment or access cash for retirement? We’ll help you explore options including traditional and reverse mortgage refinancing.

Real Estate Investors
Refinance your investment property or rental home with Crestico — we offer DSCR loans, portfolio refinancing, and cash-out solutions tailored for landlords.

Homeowners With Debt
Consolidate high-interest credit cards, auto loans, and personal debt into one low monthly mortgage payment and free up monthly cash flow.

Frequently Asked Questions (FAQs)

How do I know if refinancing is right for me?
If you want to lower your rate, tap into your home's equity, remove PMI, or change your loan terms, refinancing may be a smart move. Crestico offers a free refinance review to help you decide.
Can I refinance with bad credit?
Yes, but options may be limited. Crestico works with credit scores as low as 580 on some programs and offers creative solutions like FHA or non-QM refinance loans.
How long does the refinance process take?
Most refinances close in 2 to 4 weeks, depending on your loan type and documentation. Crestico’s streamlined process can speed things up even more.
What documents do I need to refinance?

Typical documents include:

  • Recent pay stubs or income proof
  • Bank statements
  • Tax returns (for self-employed borrowers)
  • Current mortgage statement
  • Home insurance policy

Will refinancing reset my mortgage term?
Not necessarily. You can refinance into a new 30-year term or a shorter one like 20 or 15 years — or match your remaining term. Crestico can tailor it to your goals.
How soon can I refinance after buying a home?
You can refinance as soon as 6 months after purchase in most cases. However, for cash-out, you usually need to wait 6 to 12 months and show equity.

Put You & Your Family in Good Hands. Hassle Free, No Obligation Consultation!

Get Started!

At Crestico, our loan programs are designed to meet a wide range of financial needs—whether you're buying your first home, refinancing, investing in property, or looking for flexible financing options. From conventional and government-backed loans to non-traditional and specialty programs, we offer solutions that align with your goals. Our experts help match you with the right loan, offering competitive rates, personalized terms, and a smooth approval process.