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Apply For Refinance


A qualified refinance is a type of mortgage refinance transaction that is eligible for certain benefits under the Tax Cuts and Jobs Act of 2017. In order to qualify as a qualified refinance, the transaction must meet certain requirements, including:

  • The refinance must be used to replace the existing mortgage on the property.

  • The refinance must be used to improve the home, such as by making energy-efficient upgrades or repairs.

  • The refinance must not result in a net increase in the amount of the outstanding mortgage debt.

Buying a House

Are you purchasing, refinancing, or cashing out?

Tell us what type of financing strategy you are looking for

Step 1

Qualified refinances offer several benefits to homeowners, including the ability to deduct the points paid on the refinance loan, as well as the ability to claim a tax credit for certain energy-efficient upgrades or repairs made to the property. Additionally, qualified refinances may be eligible for certain lender incentives, such as reduced interest rates or waived fees.

While qualified refinances can be a good option for homeowners looking to improve their home and reduce their monthly mortgage payments, it is important to carefully consider all of the available options and consult with a financial professional before proceeding with a refinance transaction. By carefully evaluating the costs and benefits of a qualified refinance, homeowners can make an informed decision that is right for their unique financial situation.




Looking for lending in a state not listed? We do lend in other states on a case-by-case scenario. Give us a call to see what we can do for you.

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