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Refinancing a Home

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Adjustable Rate Loans

Our adjustable rate mortgages offer flexible terms, low closing costs and quick closings. Whether you are remodeling your home, consolidating debt or lowering your interest rate, PCB can design a loan to meet your needs.

 

Fixed Rate Home Loans

With a fixed rate mortgage, your interest rate and your monthly payment will stay the same for the entire term of the home loan. Consider a fixed rate mortgage if you plan to stay in your home for the foreseeable future or if you are on a fixed budget.

Rural Development Refinance

If you have an existing Rural Development loan, you may be eligible to lower your interest rate and monthly payment. Contact a mortgage loan specialist more information regarding eligibility requirements.

FHA Rate and Term Refinance

Are you looking to lower your rate and payment, but donít have a lot of equity in your home? A Federal Housing Administration (FHA) loan offers homeowners more flexible qualification requirements compared to conventional loans.

FHA Cash Out Refinance

Pulling equity out of your home has never been easier than with a FHA cash out refinance loan. This refinance loan allows borrowers to refinance their current FHA or conventional mortgage using flexible qualifying guidelines.

VA Interest Rate Reduction Refinancing Loans (IRRRL)

If you have an existing VA loan and want to lower your rate and payments, the VA loan offers homeowners more flexible qualification requirements compared to conventional loans.

  • Borrow up to 100% of appraised value, not to exceed existing loan payoff balance plus closing costs
  • No private mortgage insurance
  • Fixed rate terms available
  • Closing costs and escrows can be rolled into the loan
  • No appraisal required, in some cases
  • Reduced VA funding fee
  • VA funding fee may be waived for qualified disabled veterans
  • Loan must be at a lesser interest rate or must be a refinance from an adjustable rate to a fixed rate
  • Apply online or contact us for an application

VA Cash Out Refinance

Pulling equity out of your home is made easy with a VA cash out refinance loan. This refinance loan allows most qualified active duty and veterans of the U.S. Military or National Guard to refinance their current VA or conventional mortgage.

  • Borrow up to 90% of appraised value
  • No private mortgage insurance
  • Fixed rate terms available
  • Closing costs and escrows may be rolled into the loan
  • VA funding fee can be rolled into the loan
  • VA funding fee may be waived for qualified disabled veterans
  • Apply online or contact us for an application