Refinance With Us

Why Refinance?

One of the best reasons to refinance is the opportunity to lower your interest rate by at least 1%. Not every situation is the same, so it’s important to determine whether a refinance loan is a wise financial decision. Luckily, we can guide you through deciding if it’s a smart move for you.

Why it Pays to Refi With Zepol

We understand refinancing can be scary, but like any good guide, we prepare and inform you about the different options and what they’ll mean for you, until you are fully confident that your decision will provide the best possible outcome. When we begin to work together, you are officially part of our Zepol family. And family sticks together.

Our Refinancing Process

We want you to be as comfortable as possible when working with us. One way we make sure is by being transparent when it comes to our process. Please review the steps below to become familiar with how we take care of you at Zepol, and in effect gain your security and trust.

1. CONSULTATION

In the first step of our process, our goal is to get to know you. We want to make sure we are offering an experience and package that is 100% tailored to meet your needs. In our consultation we will go over if you’re ready to refinance, what questions you have regarding the process, requirements and the right path for you.

2. VERIFICATION

During this step, we will take a look at your income, credit score/history, employment status and briefly review other personal details to verify your eligibility. It’s also necessary that we make an assessment of the property value, and history. We want you to be prepared, so we go down our checklist to make sure you really are ready for this next chapter.

3: LOAN PROCESSING & CONSULTATION

Time to close. At this stage you should be prepared to sign documents, pay closing fees, and provide proof of insurance. But remember, so close to sealing the deal, the excitement will be overwhelming. Luckily, your closing agent will be there with you every step of the way.

4: CONTINUED SUPPORT

Even after the completion of your path to homeownership, we won’t abandon ship. We are dedicated to providing continuous council and support to all our clients. Helping you feel stability and direction throughout your homeownership career.

Refinance Loans Available

Conventional Cash-Out and No Cash-Out Refinance

No-cash-out refinancing usually changes the loan term, the interest rate on the mortgage, or both. Cash-out refinance provides a cash lump sum at closing. The money is made available from home equity.

FHA Cash-Out and No Cash-Out Refinance

The FHA cash-out refinance works like other cash-out refinance loans. FHA loans are good for people with lower credit scores and are more lenient about debt ratios than other loans.

FHA Streamline Refinance

Fast and Simple. The FHA Streamline Refinance gives homeowners with an FHA loan the opportunity to decrease their monthly mortgage payments,

VA Cash-Out and No Cash-Out Refinance

The VA's Cash-Out refinance loan gives qualified veterans the opportunity to refinance their conventional or VA loan into a lower rate while extracting cash from the home's equity. A VA No Cash-Out refinance allows them to change the loan term or interest rate.