Loan Product
Rate & Term Refinance for a cleaner structure
Replace existing financing for a better rate, term, or structure.
What it is
Rate & Term Refinance, in plain terms.
A rate-and-term refinance replaces your existing financing with a new loan — a better rate, a longer term, or a cleaner structure — without pulling additional cash out. It's a way to improve the terms on a property you already own.
Every Rate & Term Refinance file is brokered through our multi-state lender network and reviewed by a principal personally. Availability and terms vary by state — a principal structures the right fit and confirms exact terms.
FAQ
Straight answers.
Can I refinance out of a bridge or hard-money loan?
Yes — a common use is replacing short-term or maturing debt with longer-term financing once a property is stabilized. A principal confirms exact terms based on the property and your profile.
How is this different from a cash-out refinance?
A rate-and-term refinance changes the rate, term, or structure without pulling equity out. A cash-out refinance is designed to take equity out as cash — see our Cash-Out Refinance page for that.
More Products
Related financing.
Twelve products across investment real estate. If a different structure fits your deal better, a principal will say so.
Get In Touch
Ready to see terms on your rate & term refinance deal?
Submit your deal for a soft, no-obligation review. A principal reads every file personally and responds with preliminary terms within one business day.