Please Choose Which Best Describes Your Current Situation:

  • Use your home equity to your advantage! Refinance proceeds can be used for remodeling projects, college tuition, to pay off high-interest credit card debt, buying a vacation home and more.

    Additional Program Details:
    • Cash out available to 85%
    • Low Minimum FICO of just 600!
    • Unlimited cash out also available
  • Interstate offers the Federal Housing Administration Loan (FHA) which assists borrowers who may need a low down payment and flexible mortgage guidelines. The FHA Streamline loan is a great product that helps many people refinance - most often even if you are "underwater".

    Click Here For Additional Information On Our FHA Streamline Refinance Products

    • Under the FHA streamline program, current FHA loan borrowers can refinance with NO APPRAISAL
    • Up to 97.75% loan to value for a rate and term refinances.
    • Up to 85% loan to value for cash out refinances.
  • Interstate proudly participates in the Home Affordable Refinance Program (H.A.R.P) because of our significant relationship with Fannie Mae and Freddie Mac.

    These programs are commonly referred to the Fannie Mae DU Refi Plus and Freddie Mac Open Access.

    These programs were designed for borrowers who have made their mortgage payment in a timely manner; however, have not been able to refinance as a result of lower home prices.

  • Interstate is proud to offer those who have served and are currently serving the Veteran's Affairs (VA) loan. The VA loan is an excellent loan that can assist our veterans who may want to refinance to take advantage of a lower interest rate via an interest rate reduction refinance loan (IRRRL) or cash out.

    • Up to 90% of the home's value for cash out.
    • VA interest rate reduction refinance loan (IRRRL) simplifies the refinance process.
    • Second home and investment properties allowed with the VA interest rate reduction refinance loan (IRRRL). See your Interstate Loan Officer for details.