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CONVENTIONAL REFINANCE
LOWER YOUR RATE, REDUCE YOUR PAYMENT, OR TAP INTO YOUR HOME EQUITY
A Conventional Refinance allows homeowners to replace their existing mortgage with a new one, often with better terms, lower interest rates, or access to home equity. Whether you're looking to reduce monthly payments, shorten your loan term, or cash out for major expenses, refinancing with a conventional loan offers flexibility and cost-saving benefits.
READY TO BEGIN YOUR LOAN APPLICATION?
CONVENTIONAL REFINANCE
LOWER YOUR RATE, REDUCE YOUR PAYMENT, OR TAP INTO YOUR HOME EQUITY
A Conventional Refinance allows homeowners to replace their existing mortgage with a new one, often with better terms, lower interest rates, or access to home equity. Whether you're looking to reduce monthly payments, shorten your loan term, or cash out for major expenses, refinancing with a conventional loan offers flexibility and cost-saving benefits.
READY TO BEGIN YOUR LOAN APPLICATION?
WHY CHOOSE A CONVENTIONAL REFINANCE?
• Zero Down Payment – Buy a home with no money down
• Low Interest Rates – Competitive, fixed-rate financing
• Flexible Credit Requirements – Easier approval than conventional loans
• Reduced Mortgage Insurance – Lower monthly costs than FHA loans
• Eligible for Rural & Suburban Areas – Not just for farmland!
CONVENTIONAL REFINANCE QUALIFICATIONS
• Minimum credit score of 620+
• At Least 5% home equity
• At least 20% home equity for cash-out refinance
• Stable income & employment history
• Debt-to-income (DTI) ratio of 43% or lower (higher may qualify with compensating factors)
WHY CHOOSE A CONVENTIONAL REFINANCE?
• Zero Down Payment – Buy a home with no money down
• Low Interest Rates – Competitive, fixed-rate financing
• Flexible Credit Requirements – Easier approval than conventional loans
• Reduced Mortgage Insurance – Lower monthly costs than FHA loans
• Eligible for Rural & Suburban Areas – Not just for farmland!
CONVENTIONAL REFINANCE QUALIFICATIONS
• Must be an eligible veteran, active-duty service member, or military spouse
• Existing VA Loan for VA IRRRL (Streamline Refinance only available for VA loans)
• Stable income & ability to repay (varies by lender)
• Minimum credit score varies by lender (typically 580+ for cash-out refinance)
• Must meet VA loan occupancy requirements (primary residence required for some programs)
STEP-BY-STEP CONVENTIONAL REFINANCE PROCESS
STEP-BY-STEP CONVENTIONAL REFINANCE PROCESS
1. Review Your Current Mortgage
Assess if refinancing meets your goals
2. Apply in Minutes
Simple online application
3. Get a Home Appraisal
Determine your home’s updated value
4. Loan Approval & Closing
Lock in your new rate & finalize paperwork
5. Enjoy Your New Loan Terms
Lower payments, better terms, or cash in hand!
1. Review Your Current Mortgage
Assess if refinancing meets your goals
2. Apply in Minutes
Simple online application
3. Get a Home Appraisal
Determine your home’s updated value
4. Loan Approval & Closing
Lock in your new rate & finalize paperwork
5. Enjoy Your New Loan Terms
Lower payments, better terms, or cash in hand!
ADVANTAGES OF A CONVENTIONAL REFINANCE
ADVANTAGES OF A CONVENTIONAL REFINANCE
Lower Your Monthly Payments – Reduce your mortgage rate & save
Remove PMI – Stop paying mortgage insurance with 20% home equity
Cash-Out Refinance – Use home equity for major expenses
Flexible Loan Terms – Choose between 15, 20, or 30-year fixed or adjustable rates
Debt Consolidation – Pay off high-interest debt using home equity
Faster Loan Processing – Simplified underwriting for qualified borrowers
Refinancing Options – Lower your rate or access home equity
Lower Your Monthly Payments – Reduce your mortgage rate & save
Remove PMI – Stop paying mortgage insurance with 20% home equity
Cash-Out Refinance – Use home equity for major expenses
Flexible Loan Terms – Choose between 15, 20, or 30-year fixed or adjustable rates
Debt Consolidation – Pay off high-interest debt using home equity
Faster Loan Processing – Simplified underwriting for qualified borrowers
Refinancing Options – Lower your rate or access home equity
CONVENTIONAL REFINANCE VS. FHA REFINANCE – WHICH IS RIGHT FOR YOU?
CONVENTIONAL REFINANCE VS. FHA REFINANCE – WHICH IS RIGHT FOR YOU?
FEATURE
CONVENTIONAL REFINANCE
FHA REFINANCE
MINIMUM CREDIT SCORE
620+
580+
MORTGAGE INSURANCE REQUIRED?
NOT IF 20% EQUITY
REQUIRED
CASH-OUT OPTION AVAILABLE?
YES, UP TO 80% LTV
YES, UP TO 80% LTV
LOAN TERM OPTIONS
15, 20, OR 30 YEARS
15 OR 30 YEARS
PROPERTY TYPE
PRIMARY, SECONDARY, INVESTMENT
PRIMARY RESIDENCE ONLY
DEBT TO INCOME RATIO
UP TO 45% (MAY QUALIFY FOR HIGHER WITH COMPENSATING FACTORS)
UP TO 56%
FEATURE
CONVENTIONAL REFINANCE
FHA REFINANCE
MINIMUM CREDIT SCORE
620+
580+
MORTGAGE INSURANCE REQUIRED?
NOT IF 20% EQUITY
REQUIRED
CASH-OUT OPTION AVAILABLE?
YES, UP TO 80% LTV
YES, UP TO 80% LTV
LOAN TERM OPTIONS
15, 20, OR 30 YEARS
15 OR 30 YEARS
PROPERTY TYPE
PRIMARY, SECONDARY, INVESTMENT
PRIMARY RESIDENCE ONLY
DEBT TO INCOME RATIO
UP TO 45% (MAY QUALIFY FOR HIGHER WITH COMPENSATING FACTORS)
UP TO 56%
WHY CHOOSE US FOR YOUR CONVENTIONAL REFINANCE?
WHY CHOOSE US FOR YOUR CONVENTIONAL REFINANCE?
At Trust Lending, we help homeowners refinance with confidence, ensuring you get the best rates, terms, and benefits tailored to your financial goals.
• Personalized Refinance Solutions – Find the best rate & terms for your needs
• Expert Guidance – Navigate the refinance process with ease
• Fast & Smooth Approvals – Quick processing & hassle-free closing
• Technology-Driven Service – Secure, efficient digital experience
• 20+ Years of Experience – Trusted refinance specialists
At Trust Lending, we specialize in helping homebuyers take advantage of USDA loan benefits, making homeownership more affordable than ever.
• Personalized Loan Solutions – We tailor USDA loans to your needs
• Expert Guidance – We simplify the USDA eligibility process
• Fast & Smooth Approvals – Quick processing & hassle-free closing
• Technology-Driven Service – Secure, digital-first experience
• Compliance & Integrity – We ensure USDA loan requirements are met
LEARN MORE ABOUT CONVENTIONAL REFINANCE
LEARN MORE ABOUT CONVENTIONAL REFINANCE
What Is a Conventional Refinance?
A Conventional Refinance allows homeowners to replace their current mortgage with a new one—often to secure a lower interest rate, remove mortgage insurance, or tap into home equity. Unlike FHA and VA refinancing, conventional loans do not require government-backed insurance and offer more flexibility for different property types.
Types of Conventional Refinancing
• Rate-and-Term Refinance – Lower your rate & monthly payment
• Cash-Out Refinance – Convert home equity into cash for major expenses
• Debt Consolidation Refinance – Use home equity to pay off high-interest debt
• Shorter Loan Term Refinance – Pay off your mortgage faster & save on interest
What Is a Conventional Refinance?
A Conventional Refinance allows homeowners to replace their current mortgage with a new one—often to secure a lower interest rate, remove mortgage insurance, or tap into home equity. Unlike FHA and VA refinancing, conventional loans do not require government-backed insurance and offer more flexibility for different property types.
Types of Conventional Refinancing
• Rate-and-Term Refinance – Lower your rate & monthly payment
• Cash-Out Refinance – Convert home equity into cash for major expenses
• Debt Consolidation Refinance – Use home equity to pay off high-interest debt
• Shorter Loan Term Refinance – Pay off your mortgage faster & save on interest
Trust Lending General Information
Corporate Office
Trust Mortgage Lending Corporation
8600 NW 36th St Suite 101 Doral, FL, 33166
+1 888 884 1160
info@trustlending.net
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.
Trust Lending General Information
Corporate Office
Trust Mortgage Lending Corporation
8600 NW 36th St Suite 101 Doral, FL, 33166
+1 888 884 1160
info@trustlending.net
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.