Lower rate. Once you refinance, your interest rates will be lower. That means you’ll save more money each month.

Pay your loan off faster. Let’s say you originally bought your house with a 30-year mortgage. If you refinance with a 15-year mortgage, you’ll own your home outright sooner.

Extra cash. Using a cash-out refinance, you can refinance your mortgage AND borrow money at the same time by leveraging the equity you’ve already built up in your home. The money you borrow can then be used for home improvements, college tuition, or other financial needs.

Ready to Get Started?

If you’re curious to learn more, we’re here to help figure out if refinancing is the right option for you! Below are a few popular loan programs we offer:

Streamline Refinance Options

VA INTEREST RATE REDUCTION REFINANCE (VA STREAMLINE)

This program is simple:

  • You must have an existing VA Loan with at least six (6) on-time payment.
  • We reduce the rate on your existing VA Loan using the VA Interest Rate Reduction Refinance Loan also called a VA Streamline. Your loan remains VA Guaranteed!
  • No income verification, bank statements, appraisal, termite inspections, water test, or any money out of your pocket is required for this program. In fact, we will typically only ask for ID, a mortgage statement, and your homeowner’s insurance information.
  • Your new lower payment will start 30-60 day after closing!

FHA STREAMLINE REFINANCE

If you currently have an FHA mortgage, the FHA Streamline Refinance is the easiest way to get a lower rate and monthly payment. The FHA Streamline is a “low-doc” refinance no income verification or home appraisal required.

USDA STREAMLINE REFINANCE

The USDA streamline refinance is a program for homeowners with a current USDA loan who have paid their current loan on time for at least twelve (12) months. You can benefit from a reduced rate with no need for a new home appraisal or debt ratio qualification.

CONVENTIONAL REFINANCE WITH APPRAISAL WAIVER

Fannie Mae and Freddie Mac automated underwriting system may offer well-qualified homeowners the option to refinance without the need for a home appraisal.

Talk to a Mortgage Loan Professional about options today

Traditional Refinance Options

CONVENTIONAL REFINANCING

Meridian Bank offers traditional Conventional Refinancing up to $1M. Enjoy a fixed rate loan with a term of between 10 and 30 years.

VACATION HOME REFINANCING

Vacation home refinancing is fast and easy with refinance option up to 90% loan to value.

INVESTMENT PROPERTY REFINANCING

Build equity faster by refinancing your investment property to a lower rate.

PMI REMOVAL REFINANCING

Meridian Bank offers Conventional financing up to 97% loan to value with the option to waive monthly PMI payments.

Access Your Home Equity for Home Improvement, Debt Consolidation and More.

VA CASH OUT REFINANCE

Borrow up to 100% of your home’s value (less current mortgages) and get cash out for almost any purpose.

FHA CASH OUT REFINANCE

FHA cash out per borrower have the option to take up to 80% of the value in their home in cash out to use for almost any purpose with less stringent credit requirements as compared to conventional financing.

CONVENTIONAL CASH OUT REFINANCE

Refinance your existing loan up to 80% of your home’s value (less current mortgages) and get cash out for almost any purpose.

Talk to a Mortgage Loan Professional about options today

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