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REFINANCING
LOWER YOUR PAYMENTS, REDUCE YOUR RATE, OR TAP INTO YOUR HOME EQUITY
Refinancing your mortgage can help you save money, lower your monthly payments, shorten your loan term, or access home equity for major expenses. Whether you're looking to lock in a lower rate, eliminate private mortgage insurance (PMI), or consolidate debt, Trust Lending offers multiple refinancing options tailored to your financial needs.
REFINANCING
LOWER YOUR PAYMENTS, REDUCE YOUR RATE, OR TAP INTO YOUR HOME EQUITY
Refinancing your mortgage can help you save money, lower your monthly payments, shorten your loan term, or access home equity for major expenses. Whether you're looking to lock in a lower rate, eliminate private mortgage insurance (PMI), or consolidate debt, Trust Lending offers multiple refinancing options tailored to your financial needs.
READY TO BEGIN YOUR LOAN APPLICATION?
WHAT TYPE OF REFINANCING LOAN IS BEST FOR YOU?
Each homeowner has unique financial goals. Here are the most common refinancing options to help you decide which one is right for you.
CONVENTIONAL REFINANCE
LOWER YOUR RATE & PAYMENTS
A Conventional Refinance is ideal for homeowners looking to reduce their interest rate, lower monthly payments, or adjust their loan term.
• Lower interest rates – Save money over the life of your loan
• No mortgage insurance is required (if you have at least 20% equity)
• Fixed or adjustable-rate mortgage (ARM) options available
• Great for borrowers with strong credit & stable income
FHA STREAMLINE REFINANCE
FAST, NO-HASSLE REFINANCING
An FHA Streamline Refinance is a simplified process for homeowners with existing FHA loans to lower their interest rate with minimal paperwork.
• No home appraisal required – Faster approval process
• No income verification needed – Easier qualification
• Lower your rate and payment with minimal documentation
• Perfect for homeowners with an existing FHA loan
VA REFINANCE
EXCLUSIVE BENEFITS FOR VETERANS & MILITARY FAMILIES
A VA Refinance allows eligible veterans, active-duty service members, and military spouses to lower their mortgage payments or tap into home equity.
• VA Interest Rate Reduction Refinance Loan (IRRRL) – Streamlined process for lower rates
• Cash-out refinance available – Access home equity for major expenses
• No private mortgage insurance (PMI) required
• Exclusive to VA loan holders
HARD REFINANCE (EXPIRED)
ALTERNATIVE REFINANCE OPTIONS
The HARP Program ended in 2018, but alternative refinance options are available for homeowners with little or no equity.
• Lower your mortgage payment even if your home value has dropped
• Freddie Mac Enhanced Relief Refinance (FMERR) & Fannie Mae High LTV Refinance available
• No mortgage insurance required in most cases
• Great for homeowners who previously did not qualify for traditional refinancing
CASH-OUT REFINANCE
CONVERT HOME EQUITY INTO CASH
A Cash-Out Refinance allows you to tap into your home equity and receive a lump sum of cash for major expenses.
• Use funds for home renovations, debt consolidation, or investments
• Lower your mortgage rate while accessing extra cash
• Available for FHA, VA, and conventional loans
• Minimum home equity of 20% required (varies by lender)
12-MONTH BANK STATEMENT LOANS
IDEAL FOR SELF-EMPLOYED BORROWERS
A 12-month Bank Statement Loan allows self-employed individuals to refinance using bank deposits instead of tax returns.
• No W-2s or tax returns required
• Qualify using 12 months of bank statements
• Flexible loan terms & competitive rates
• Great for freelancers, business owners & independent contractors
READY TO BEGIN YOUR LOAN APPLICATION?
WHAT TYPE OF REFINANCING LOAN IS BEST FOR YOU?
Each homeowner has unique financial goals. Here are the most common refinancing options to help you decide which one is right for you.
CONVENTIONAL REFINANCE
LOWER YOUR RATE & PAYMENTS
A Conventional Refinance is ideal for homeowners looking to reduce their interest rate, lower monthly payments, or adjust their loan term.
• Lower interest rates – Save money over the life of your loan
• No mortgage insurance is required (if you have at least 20% equity)
• Fixed or adjustable-rate mortgage (ARM) options available
• Great for borrowers with strong credit & stable income
FHA STREAMLINE REFINANCE
FAST, NO-HASSLE REFINANCING
An FHA Streamline Refinance is a simplified process for homeowners with existing FHA loans to lower their interest rate with minimal paperwork.
• No home appraisal required – Faster approval process
• No income verification needed – Easier qualification
• Lower your rate and payment with minimal documentation
• Perfect for homeowners with an existing FHA loan
VA REFINANCE
EXCLUSIVE BENEFITS FOR VETERANS & MILITARY FAMILIES
A VA Refinance allows eligible veterans, active-duty service members, and military spouses to lower their mortgage payments or tap into home equity.
• VA Interest Rate Reduction Refinance Loan (IRRRL) – Streamlined process for lower rates
• Cash-out refinance available – Access home equity for major expenses
• No private mortgage insurance (PMI) required
• Exclusive to VA loan holders
HARD REFINANCE (EXPIRED)
ALTERNATIVE REFINANCE OPTIONS
The HARP Program ended in 2018, but alternative refinance options are available for homeowners with little or no equity.
• Lower your mortgage payment even if your home value has dropped
• Freddie Mac Enhanced Relief Refinance (FMERR) & Fannie Mae High LTV Refinance available
• No mortgage insurance required in most cases
• Great for homeowners who previously did not qualify for traditional refinancing
CASH-OUT REFINANCE
CONVERT HME EQUITY INTO CASH
A Cash-Out Refinance allows you to tap into your home equity and receive a lump sum of cash for major expenses.
• Use funds for home renovations, debt consolidation, or investments
• Lower your mortgage rate while accessing extra cash
• Available for FHA, VA, and conventional loans
• Minimum home equity of 20% required (varies by lender)
12-MONTH BANK STATEMENT LOANS
IDEAL FOR SELF-EMPLOYED BORROWERS
A 12-month Bank Statement Loan allows self-employed individuals to refinance using bank deposits instead of tax returns.
• No W-2s or tax returns required
• Qualify using 12 months of bank statements
• Flexible loan terms & competitive rates
• Great for freelancers, business owners & independent contractors
WHY CHOOSE TRUST LENDING FOR YOUR REFINANCE?
WHY CHOOSE TRUST LENDING FOR YOUR REFINANCE?
At Trust Lending, we make refinancing fast, simple, and tailored to your financial goals. Whether you're looking to lower your rate, shorten your loan term, or access home equity, our team will help you find the best refinancing solution.
• Personalized Loan Options – We match you with the best refinance program
• Competitive Interest Rates – Get access to the best loan rates available
• Fast & Hassle-Free Approvals – Simplified loan application process
• Expert Guidance – Work with mortgage specialists who put your needs first
• Technology-Driven Service – Secure, seamless, and fully online mortgage experience
At Trust Lending, we make refinancing fast, simple, and tailored to your financial goals. Whether you're looking to lower your rate, shorten your loan term, or access home equity, our team will help you find the best refinancing solution.
• Personalized Loan Options – We match you with the best refinance program
• Competitive Interest Rates – Get access to the best loan rates available
• Fast & Hassle-Free Approvals – Simplified loan application process
• Expert Guidance – Work with mortgage specialists who put your needs first
• Technology-Driven Service – Secure, seamless, and fully online mortgage experience
READY TO BEGIN YOUR LOAN APPLICATION?
TESTIMONIALS
Trust Lending General Information
Corporate Office
Trust Mortgage Lending Corporation
8600 NW 36th St Suite 101 Doral, FL, 33166
+1 888 884 1160
NMLS #204041
Colorado Office
Trust Mortgage Lending Corporation
8400 E Prentice Ave
Suite 1500
Greenwood Village, CO 80111
+1 888 884 1160
Tampa Office
Trust Mortgage Lending Corporation
8593 W. Linebaugh Ave
Tampa, FL 33625
+1 888 884 1160
Lic #2253533
Oregon Office
Trust Mortgage Lending Corporation
8130 SW Beaverton-Hillsdale Hwy
Portland, OR 97225
+1 888 884 1160
Lic #204041
California Office
LG Mortgage Lending Solutions
9350 Willshire Blvd
Suite 203
Beverly Hills, CA 90212
+1 888 884 1160
Lic #41DBO-108370
Helpful Links
Texas Office
Trust Mortgage Lending Corporation
700 Louisiana St
Suite 3950
Houston, TX 77002
+1 888 884 1160
NMLS #1513406
Services
©2025 Trust Mortgage Lending NMLSR ID 204041
Disclaimer: Trust Lending is not a chartered bank or trust company, or depository institution.
It is not authorized to accept deposits or trust accounts.
READY TO BEGIN YOUR LOAN APPLICATION?
TESTIMONIALS
Trust Lending General Information
Corporate Office
Trust Mortgage Lending Corporation
8600 NW 36th St Suite 101 Doral, FL, 33166
+1 888 884 1160
NMLS #204041
Tampa Office
Trust Mortgage Lending Corporation
8593 W. Linebaugh Ave
Tampa, FL 33625
+1 888 884 1160
Lic #2253533
Texas Office
Trust Mortgage Lending Corporation
700 Louisiana St
Suite 3950
Houston, TX 77002
+1 888 884 1160
NMLS #1513406
California Office
LG Mortgage Lending Solutions
9350 Willshire Blvd
Suite 203
Beverly Hills, CA 90212
+1 888 884 1160
Lic #41DBO-108370
Colorado Office
Trust Mortgage Lending Corporation
8400 E Prentice Ave
Suite 1500
Greenwood Village, CO 80111
+1 888 884 1160
Oregon Office
Trust Mortgage Lending Corporation
8130 SW Beaverton-Hillsdale Hwy
Portland, OR 97225
+1 888 884 1160
Lic #204041
Services
Conventional Loans
FHA Loans
Reverse Mortgages
VA Loans
Jumbo Loans
Foreign National Loans
Helpful Links
Accessibility Statement
Company Overview
Terms and Conditions
Privacy Policy
NMLS Consumer Access
©2025 Trust Mortgage Lending NMLSR ID 204041
Disclaimer: Trust Lending is not a chartered bank or trust company, or depository institution.
It is not authorized to accept deposits or trust accounts.