Refinance

Mortgage Refinancing Made Easy with a Qualified Agent

As you know, your home financing is one of the largest investments you’ll make in your whole life. If you have considered mortgage refinancing, the team at Nickel City Funding Inc. is here to help. Considering your refinancing options is fast and easy without upfront costs. With several lenders to choose from, we can ensure you find the best rate for refinancing. We work with clients in North Tonawanda, Hamburg, Amherst, West Seneca, and Lancaster and cities in nearby New York. To get started exploring ways you could save, contact Nickel City Funding today.

Mortgage Refinancing Options

The type of refinancing that makes sense for you depends on what type of home financing you have currently. There are conventional and nonconventional refinancing options available.

Conventional home refinancing is privately funded and insured. Because of this, the approval requirements are stricter than with non-conventional financing. Conventional refinancing options include:

  • Conforming Loan Refinancing: Conforming refinancing includes privately funded, privately insured loans for $424,100 or less.
  • Jumbo Loan Refinancing: Jumbo loans and jumbo refinance are loans that exceed $424,100. Many jumbo loans for purchase originate with variable rates. We can help you explore jumbo loan refinancing options with fixed rates and other options for long-term savings.

Nonconventional home refinancing is great for clients with existing government-backed loans through the FHA or VA.

  • FHA Streamline Refinancing: This is a popular option for clients with loans backed through the Federal Housing Administration. This is a streamlined refinance solution with minimal underwriting and no need for a new home appraisal. As an FHA-approved lender, we can quickly complete the paperwork so you can start saving, fast.
  • VA IRRRL Refinancing: If you are a veteran, servicemember, surviving spouse of a veteran or servicemember or other candidate with an existing VA loan, this may be the right refinancing for you. This mortgage refinancing can help you find better rates and save money long-term using your existing entitlements.

The Benefits of Refinancing with Nickel City Funding

Our qualified mortgage professionals have more than 20 years’ experience with refinancing. We can explore your options with no up-front cost. Whether you’re transitioning from a variable rate to a fixed rate, looking for better terms or looking for another way to save, we have options. Contact Nickel City Funding Inc., serving North Tonawanda, Hamburg, Amherst, West Seneca, and Lancaster  and nearby New York, to get started.