Rate-and-term
Replace the first to change the payment, the rate, the term, or mortgage insurance. This is not a cash lump sum — only enough for costs, if that.
Start hereCash-out
Pull equity or roll other debt into one new first. This replaces the mortgage you have now and puts money in hand at closing.
Start hereHELOC
A line of credit while you keep the first mortgage. Apply on the HELOC page runs on Axen, not the same application as these other paths.
Start hereVA refinance
IRRRL streamline from an existing VA loan, or a VA cash-out, when entitlement fits. Purchase VA basics stay on the VA page.
Start here
Not sure which box? You don’t have to name the product first. Talk or apply, and I’ll compare. Full menu: loan programs.
Licensed in Arizona, California, Colorado, Idaho, Illinois, Kansas, Michigan, Missouri, Montana, and Texas. NEXA Lending · NMLS 184065.

