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Refinance

Refinancing Your Home Doesn’t Have to Be Difficult

Need to refinance your home? You’re in the right place. At Loan Cabin, we’ve helped countless clients refinance their homes and get a better payment structure that fits their unique needs. Best of all, we make it quick and easy to refinance your mortgage.

Simple Process

We help you meet your refinancing goals with a simple, efficient process. We know that your time and energy is valuable, so we do the hard work of refinancing your mortgage. We’ll guide you through the process.

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Experienced Staff

Most homeowners don’t know the ins and outs of refinancing a mortgage, but that’s OK—because Loan Cabin has all the expertise you need! Our helpful, personable staff is highly experienced at refinancing home loans.

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Transparency

When you’re making or refinancing one of the biggest purchases of your life, you need a lender you can trust. At Loan Cabin, we’re transparent and honest about what we do. You can rest assured that your finances are in good hands.
Be ready to refinance your home in no time.

Be ready to buy a home in no time.

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Gather

Pull together the documents needed for a mortgage application, such as your last two years tax returns, W2’s , 30 days check stubs, two months current bank statements, and ID.

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Apply

Next, go through our quick and easy application process. The goal of the application is to give us a good idea of your finances so we can pre-approve you for a home loan.

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Review

We’ll review and process your information to figure out exactly how much you qualify for. We’ll let you know if we need any additional documentation.

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Pre-Approval

Getting pre-approved will help you find a house in your price range. It can also speed up the home buying process and give you an advantage over competing offers!

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Ready

Now that you’re pre-approved for a mortgage loan, you’re ready to go house shopping and purchase the home of your dreams!

Get Started

We refinance your mortgage, you make the home.
Figure out which loan option is best for you.

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15-Year Fixed

A 15-year fixed mortgage, as the name suggests, is a loan that you pay back within 15 years. While your monthly payments will be higher than any other type of mortgage loan, there are also some great benefits to enjoy! You’ll own your home outright in less time, your interest rates will be lower, and you’ll pay less interest overall.

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20-Year Fixed

If you’re not sure whether to get a 15-year mortgage or a 30-year mortgage, there’s a great option for you: the 20-year fixed home loan. Gain some of the benefits of each type of mortgage, all with an easy fixed rate. You can combine the flexibility of a 30-year fixed mortgage with the lower interest of a 15-year home loan.

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30-Year Fixed

The most common type of home loan, the 30-year fixed mortgage, is the perfect option for many homebuyers. With affordable monthly payments, excellent flexibility, and a consistent bill each month, this type of loan will be fully paid off within 30 years. It’s easier to get than many other types of loans, so it works in a wide variety of situations.

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5-Year Fixed

With the 5-year adjustable mortgage (also called the 5/1 ARM), you get a fixed rate for the first 5 years. After that, the rate will reset once per year based on the level of interest rates. This type of loan offers you flexibility if you plan to move within a few years. Plus, you’ll instantly benefit if mortgage rates go down after the 5-year period!

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7-Year-Fixed

A 7-year adjustable rate mortgage (ARM) is excellent if you’re planning to own a house for a limited amount of time. While most buyers opt for fixed-rate loans, a 7-year adjustable rate loan is an option with many advantages for the modern homebuyer. For example, you’ll instantly benefit if mortgage rates go down after the 5-year period!

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Jumbo Loan

Home prices are rising in many areas. For large, expensive, or luxurious properties, you simply can’t get a regular mortgage. That’s when you need to consider a jumbo loan. If you have a low debt-to-income ratio and a high credit score, a jumbo loan can help you purchase a high-cost property with ease.

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Working with Loan Cabin made the whole loan
process understandable and easy. We ended up
saving a lot of money too.
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Nathan andrus

Homeowner since 2016 arrow-left-long
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Everyone else told me no. Some even laughed, Mino said he could help. In just 2 months I bought the home I needed. Listen to him he will not steer you wrong. Highly Reccomend Loan Cabin, But more importantly Mino. Will definitely use again if needed. Thank You Mino
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Kevin N from Hebron, IN

Homeowner since Dec '18 arrow-left-long
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I was referred to Chuck Bono at Loan Cabin from a friend who helped him refinance. I needed funds quick to remodel my bathroom and kitchen. I decided to do a cash out refinance. Chuck and his team were great about explaining the process to me.
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Allan from Antioch, IL

Homeowner since Nov '18 arrow-left-long
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Chuck was AWESOME! He made this process exceptionally easy. He was very knowledgeable and was always availble to answer any questions. Top notch team from the loan processsors to the underwriters. Chuck and Loan Cabin are dedicated to getting you the best mortgage possible. You wont be disappointed.
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Pam H

Homeowner since Oct 2018 arrow-left-long

Learn more about home purchasing.

How to figure out how much you can afford.

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Should you add a co-borrower to your loan?

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All documentation needed for your pre-approval and how to get it.

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