Learn how REIF Loans helps homeowners and investors refinance with lower rates, cash-out options, and flexible loan programs built for real results.
At REIF Loans, we help investors and homeowners refinance with purpose whether that’s lowering your rate, freeing up equity, or improving cash flow. Our refinance mortgage programs are designed by investors, for investors, offering clarity, flexibility, and trusted lending partnerships that make your next move a confident one.
A refinance mortgage loan replaces your existing mortgage with a new one often with better terms, a lower rate, or cash-out options. Refinancing can help you achieve a lower monthly payment, shorten your loan term, or access the equity you’ve built in your property.
Whether you’re refinancing your primary home or an investment property, our advisors tailor the right strategy to meet your long-term financial goals.
Secure a lower interest rate or extend your term to reduce your monthly payment and improve your cash flow.
Use a cash-out refinance to tap into your home’s or rental property’s equity perfect for reinvesting, renovating, or consolidating debt.
Move from a 30-year to a 15-year loan to pay off your property faster and save thousands in interest.
Transition from an adjustable-rate to a fixed-rate loan for stable, predictable payments or from conventional to non-QM for flexibility.
For investors, refinancing can unlock capital for your next rental, rehab, or short-term rental opportunity.
For homeowners or investors with traditional financing, this option provides competitive fixed rates and flexible terms.
Pull equity from your property for renovations, debt consolidation, or investment opportunities.
For rental properties, refinance based on property cash flow, not personal income. Perfect for portfolio expansion.
Replace your existing mortgage with one that has improved terms or a lower rate, without taking out additional cash.
Ideal for self-employed investors or those with unique financial structures. Flexible documentation and fast closings.
Refinancing doesn’t have to be complicated. Our process is built around transparency and support from start to finish.
Whether you’re looking for a lower rate, better terms, or cash-out options, we start with a strategy session.
We analyze your current mortgage, property value, and market conditions.
Our advisors match you with the best-fit refinance option for your goals.
Once approved, we lock your rate and guide you through closing with clarity and confidence.
We’re investors ourselves, so we understand how cash flow and ROI drive your decisions.
From conventional to DSCR and commercial, we structure loans that fit real investment strategies.
No hidden fees, no surprises. just clear guidance and timely closings.
We serve clients across 43 states with local market knowledge and national lender connections.
Every refinance is tailored to your goals, not just the lender’s checklist.
Refinancing is more than replacing a loan. it’s rethinking your financial strategy. Whether your goal is to lower your payment, access equity, or grow your portfolio, REIF Loans brings the experience, lender network, and investor perspective to help you do it right.
REIF Loans currently offers mortgage and loan services in select licensed states. Information provided on this website, including references to Non-QM loans, commercial loans, and conventional loans, is for general educational and informational purposes only and does not constitute an offer to lend in jurisdictions where REIF Loans is not licensed. Loan availability, terms, and conditions may vary by state. Please contact us directly to confirm eligibility and licensing for your specific location.
