Refinance Mortgage Options

Refinance Your Mortgage On Your Terms

Unlock portfolio equity with Mbanc Refinance Mortgage Options from unlimited cash out options to closed end second mortgages

MBANC’s
97% Pull-Through Rate: Confidence You Can Count On

What does a 97% pull-through rate mean for you? It means when we say you’re pre-approved, we truly mean it. Our pre-approvals aren’t just empty promises based on automated forms; they’re backed by thorough, expert evaluations of your information.

We respect your time, your realtor’s efforts, and the importance of your property deal. With Mbanc, you can confidently move forward knowing that our pre-approved borrowers successfully reach full underwriting approval.

Ready to experience the difference? Apply today and let Mbanc show you what true commitment looks like.

Flexible Refinance Mortgage Solutions for Your Unique Needs

Refinancing with Mbanc means gaining the freedom to achieve your financial goals—whether lowering monthly payments, consolidating debt, or accessing cash for your next investment. Our streamlined process, competitive terms, and tailored loan options ensure you find the ideal refinance solution.

Unlimited Cash Out Up to $3 Million
Low Competitive Rates For Any Borrower
Closed End Second Mortgage Options up to 80% CLTV
Agility Advantage Approval Guarantee
No Tax Returns, W-2's, or Pay Stubs Required
Owner Occupied, Second Home, and Investment Properties
Qualify Using Bank Statements, Rental Income, 1099 and More.
10 - Year Fixed Interest Only Options on 30 & 40 Year Terms

What is a DSCR Investment Rental Jumbo Mortgage?

There are no income requirements for a DSCR mortgage. Unlike conventional loans that hinge on your personal income and debt, a DSCR loan evaluates your property’s projected rental income as the primary qualifying factor.

DSCR stands for debt service coverage ratio. For example, if the ratio required is 1.25, it means the property must produce 25% net positive cash flow after all expenses have been deducted.

Whether you’re a prospective property owner, a real estate investor, or an entrepreneur seeking to tap into the real estate market, this innovative loan option grants you unprecedented flexibility and seamless financing.

Mbanc successfully financed our property purchase, even with an unusual loan scenario. Their team went above and beyond, creatively navigating every challenge and ensuring a smooth closing. We truly felt their dedication and wouldn’t hesitate to work with them again in the future.

Jules G.

Mortgage Refinance Calculator

Refinance Your Mortgage With Peace of Mind

Mbanc Interest Only Rate Calculator

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Mbanc Mortgage Programs
Designed For You

Mortgage Options For investors

At Mbanc, our mortgage programs are specially crafted to match your unique financial situation. Our expert team provides premier service designed specifically for entrepreneurs, investors, and business owners.

Bank Statement

Qualify using your actual bank deposits—no tax returns required.

1099 Jumbo

Entreprenuers can now make large property purchases.

Asset Utilization

Use your liquid assets (instead of the usual tax returns) to apply.

Foreign National

Explore U.S. property investment opportunities—no U.S. citizenship or established credit needed.

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Ready to Get Started?

Speak with an MBANC Loan Expert today and get personalized guidance for your mortgage needs.

The Mbanc Refinance Process

Step 1: Strategic Discovery Call

The process begins with a focused consultation with one of our Non-QM mortgage advisors. This isn’t a pre-scripted intake call. It’s a strategic discussion about your financial structure, your refinancing goals, and the best way to achieve them.

We’ll review:

What kind of property you’re refinancing (primary, second home, investment)
Your income streams and documentation preferences
Whether you’re looking for cash-out, lower payments, or better terms
Your timeline and risk profile

Within 24 to 48 hours, we’ll match you with the ideal Non-QM loan product and provide clear next steps to get you moving.

Step 2: Select the Right Loan Program

We offer a suite of Non-QM refinance programs that allow you to qualify using real-world income—not just a narrow set of tax documents.

Bank Statement Loans
Use 12 to 24 months of business or personal bank statements to verify income instead of tax returns.

1099-Only Loans
Use one to two years of 1099s to qualify, ideal for consultants, sales professionals, and freelancers.
Asset-Based Loans
Qualify based on your liquid assets, investment accounts, or retirement funds—perfect for high-net-worth borrowers with low taxable income.
DSCR Loans (For Investment Properties)
Qualify based on the cash flow of the rental property itself. No personal income required.
Interest-Only and Jumbo Refinance Options
Preserve liquidity or manage high-value property financing with flexible payment options.

Step 3: Submit Focused Documentation

We do not require tax returns or W-2s unless you want to provide them.

Depending on your loan type, we’ll request only the documents that are essential to getting your file approved:

Bank statements (personal or business)
1099s (if applicable)
Asset or investment statements
Proof of property ownership and existing mortgage
Lease agreements (for investment properties)
Valid identification and credit report

We keep this process streamlined, so you stay in control from start to finish.

Step 4: Appraisal and Underwriting

Once documentation is complete, we order an appraisal to determine the current market value of your property. Then, your file moves to underwriting.

What sets Mbanc apart is how we approach this step.

Our underwriters are specialists in Non-QM lending. They understand bank statement income, portfolio income, real estate depreciation, and the unique profiles of financially successful borrowers. They’re not looking for reasons to say no—they’re looking for ways to say yes, responsibly and efficiently.

Loan approvals are typically issued within a few days of receiving the appraisal.

Step 5: Closing and Funding

After final approval, your dedicated closing team coordinates directly with the title company to finalize your refinance. Whether you’re refinancing a primary residence, a second home, or a rental property, we ensure a smooth closing.

If you’re doing a cash-out refinance, your funds are wired upon closing and are available for reinvestment immediately—into new real estate, your business, or other growth opportunities.

Frequently Asked Questions

What is a Cash Out Refinance?

A cash-out refinance is a mortgage refinancing option where you borrow more than your current mortgage balance, and the excess funds are given to you in cash. Essentially, it allows you to convert some of your home equity into cash.

What is a Closed End Second Mortgage?

A closed-end second mortgage, also known as a home equity loan, is a type of mortgage loan that allows homeowners to borrow against the equity in their home. Unlike a home equity line of credit (HELOC), a closed-end second mortgage provides a lump sum of money upfront.

When Can I Refinance a Mortgage?

Mbanc allows refinancing within as little as 6 months of the closed date, offering a flexible option for homeowners seeking to refinance early.

How does obtaining a closed-end second mortgage affect the low interest rate on my first mortgage?

Generally, a closed-end second mortgage does not directly impact the interest rate on your first mortgage. The interest rates on the two mortgages are typically independent of each other.

How much does it generally cost to refinance a mortgage?

Refinancing costs vary, but they typically range from 2% to 5% of the loan amount. This can include application fees, appraisal costs, title insurance, origination fees, and other closing costs.

What are the rates for a Mortgage Refinance ?

Your exact mortgage rate depends on many factors: income calculation method, your down payment/equity position, credit score, loan term, income, and debt. Contact us to get a free quote on our competitive self-employed mortgage rates and learn how much you could qualify for!