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

97% Pull-Through Rate

What is a “pull-through rate?” This is another way of saying that our word means something. 


When we tell you (or a realtor) that you are pre-approved for a loan, it means you are, in fact, pre-approved for a loan. 


Unlike other lenders, we won’t jeopardize your property deal or frustrate your realtor with meaningless pre-approval letters based on an online form. 


We do a thorough investigation of all the information you provide us. 97% of our official pre-approvals move on to full mortgage underwriting approval. (The other 3% are usually borrowers who change their mind about the property).


Our excellent results demonstrate our unwavering dedication to clients like you.

Refinance Mortgage Options to Fit Any Scenario

Real estate refinancing is a excellent resource to lower monthly costs, pay off debts, capitalize on an investment, or simply acquire cash on hand. Mbanc has mortgage options suited for any financial scenario. 

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 was able to finance a property purchase for us with a slightly unorthodox loan on an unusual property which was outside the boundaries of what they usually do. Along the way there were a few times it seemed like it would snag, but each time Alvin worked tirelessly to find a way to get the deal through. He and Helmut could see the value of the property and believed in it but it took a lot of creativity to finally close.

Jules G.

Mortgage Refinance Calculator

Refinance Your Mortgage With Peace of Mind

Mbanc Interest Only Rate Calculator

Mbanc Mortgage Programs
Designed For You

Mortgage Options For investors

Aside from great mortgage programs, at mbanc, you’ll find enthusiastic and knowledgeable experts ready to offer you premier service.

Bank Statement

Use one to two years of healthy bank statement deposits to qualify.

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

You don’t need to be a US citizen to apply for a mortgage.

Ready for an informative first phone call?

A dedicated Mbanc loan professional will help you explore our flexible rental mortgages. We offer unparalleled concierge service and market insights for property investors.

Frequently Asked Questions

Contact us for a complimentary quote on our competitive rates to discover your potential qualification amount.

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.

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.

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

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.

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.

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!