Refinance a Home

Refinance With Peace of Mind Built-in

Our Fixed Rate Conventional Mortgages offer the confidence of knowing your rate and payment will not change for the term of your loan.

Use your home equity to your advantage! Chances are the values of your home have increased dramatically over the past two years. You can use that equity for the following:

. Remodeling/Renovation Projects

. College Tuition

. Pay off High-Interest Credit Card Debt

. Buy a Vacation Home or Investment Property

. Pay less Mortgage Interest and Shorten Your Term

. And Much More! 

Whatever your needs, Interstate Home Loan Center, Inc. is here to help.  The process is quick, efficient, and painless.  Fill out the form on this page to get started. Let your equity work for you! 

Icon representing real estate investment or home financing.

Please Choose Which Best Describes Your Current Situation:

Cash – Out Refinance

You can still benefit from a cash out refinance if you don’t have credit card or other debt. A cash out refinance allows you to convert the equity you
have built in your home into cash that you can use for any reason. Home improvements, investing, college tuition, etc. The list is endless!

  • Cash Out available up to 80% for single family primary residences or 75% for multiple family homes.
  • Minimum FICO of 620 for Conventional Loans or 580 for FHA Loans.

Click here to Learn about a Cash-Out Refinance

WHAT IS DEBT CONSOLIDATION?

Debt consolidation combines debts like credit cards, medical bills, personal loans, payday loans, etc. into one monthly bill that includes your mortgage! Credit cards and other loans carry very high interest rates and if you are only making minimum payments, it could take you decades to pay off a balance. With mortgage interest rates being substantially lower than credit card and loan interest rates, it may make sense to consolidate them and reduce your overall monthly expenses! Call us today to see how we can help you improve your monthly cashflow.

DEBT CONSOLIDATION, WHEN PROPERLY MANAGED, CAN:

LOWER YOUR INTEREST RATES, RESULT IS:

Click here to Learn More about Debt Consolidation

RENOVATION REFINANCE

Tired of that outdated kitchen or leaking bathroom? Consider refinancing your home to make the renovations you have always wanted. Renovations also increase the value of your home.

  • Renovations up to 110% of the after improved value
  • Minimum FICO 640
  • Work to be performed by a licensed contractor

Interstate Home Loan Center can help you make those renovations come true.

Click here and contact us today!

Non-QM Loan Options

Are you having difficulty qualifying for a mortgage? A Non-QM mortgage could help you reach your goal of homeownership!

Mortgages are not “one size fits all”. Interstate Home Loan Center knows that!

What is a Non-QM Loan?

A Non-QM loan, or non qualified mortgage, is a loan that is not required to meet standard agency documentation requirements from the CFPB. Non-QM loans are not insured, guaranteed, or backed by FHA, VA, Fannie Mae or Freddie Mac. Due to their more versatile and flexible qualification guidelines, many can secure financing on a new home who wouldn’t normally meet standard lending requirements.

Who is a good candidate for a Non-QM loan?

  • Self-employed and small business owners
  • Real Estate Investors
  • Retirees
  • Foreign Nationals
  • Commission Based Workers
  • People with high debt
  • Borrowers who would otherwise not meet the mortgage requirement for Conforming loans

The mortgage fix for our unique borrowers

Get Started

Lower Your Payment / Shorten Your Term

Do you want to lower your monthly mortgage payment?

If you find that your monthly mortgage payments are too high and you don’t have enough money left at the end of the month to cover other living expenses, you may want to consider options to lower your monthly mortgage payment.

Refinance Your Mortgage

Refinancing means taking out a new loan, but with different loan terms. This option can be beneficial in the following ways:

  • You can lower your interest rate, resulting in a lower monthly payment.
  • If you have private mortgage insurance (PMI), you may have enough equity to eliminate the need for PMI completely.
  • You can refinance into a longer term and lower your payment. Or shorten your term allowing you to pay off your mortgage more quickly.

Click here and apply with us today to see how we can help you!

Angel Muniz is the gold standard of lenders.

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Look no further than Angel Muniz if you're searching for a mortgage consultant who is not only knowledgeable but will take the time address all your concerns and questions. My realtor, Linda Rodriguez, recommended Angel Muniz. I was very impressed with his approach. He was very personable and thoroughly explained the entire loan process so I knew what to expect. Anytime I needed to reach him, all I had to do was call, email or text and Angel will get back to me as soon as possible if he is unavailable at the moment. Angel also makes sure to follow up with me to see if I had any needs or questions. Communication is key! With Angel, it feels like talking to a friend rather than a random agent who looks at me just like another number. Towards the end of my loan process, I secured a home insurance policy on my own only to find out Angel already took care of that tedious detail with a lower price! Now that is service. Angel is always in the background working to ensure the loan process goes smoothly. I highly recommend Angel Muniz for any home loan needs.

Angie from NY
worked with Angel Muniz

Professionalism and Responsiveness,

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Angel helped my family with everything. He speaks English and Spanish . He explained everything in both languages. Excellent service and kind people .

zuser201607011221173 from NY
worked with Angel Muniz

Mario is an excellent loan officer

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My husband and I just purchased a house and Mario helped us so much true the whole process we are ver thankful to him for being so honest to us always being there to answer all our questions and concerns. We highly recommended him he will help you the best way on purchasing your home.

beatriz1610 from NY
worked with Mario Gonzalez

Best in the biz

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As a real estate agent and attorney, there is no one else I refer clients, friends, or family to and I just used Greg for my own home purchase. He is knowledgeable, approachable, kind, and goes above and beyond for all his clients. He makes you feel like you are family and that he has all the time in the world to help you. Greg is exceptional and extremely professional. There is no one else to use!

Alanna McGovern from NY
worked with Gregory Bellezza

THE BEST!!!!

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Greg is INCREDIBLE!!!! Cannot recommend Greg enough, I will be sending all my friends and family to him! He is attentive, timely, responsible, willing to answer questions or concerns at ANY time with a quick response! We are first time home buyers and Greg has made this processes a pleasant one! We had our mind at ease because we knew we were in good hands with Greg and his team. I cannot say enough good things or thank them enough for everything they have done for us! We are so thankful we were able to get our first home because of Greg!!! Thank you!

NikkiChisholm5 from NY
worked with Gregory Bellezza