Service · 02
Mortgage loan.
Refinancing is rarely about the headline rate. It is about the next decade. We model the break-even, the cash-out, the tax — then put it on one page you can actually read.
5.49%
From, refi
80%
Cash-out LTV
21d
Median refi close
0.0
Surprise points
What you get
Structured around you.
- ·Rate-and-term refinanceReplace your current loan with a better one — same balance, lower friction.
- ·Cash-out refinanceRelease equity for renovation, consolidation, or a planned next move.
- ·HELOC & second mortgageKeep your first-position rate, layer a flexible line on top.
- ·Restructure & assumptionAdvisory for inherited mortgages, divorce buyouts and portfolio rebalancing.
Eligibility
- Current property owner with clear market title of ownership
- Combined Loan-to-Value (LTV) up to 75% for residential properties
- Minimum CIBIL score of 650+
- Owner-occupied, rented out, or commercial property eligible
Documents to bring
- Current mortgage statement
- Homeowners insurance declarations
- Last 2 years tax returns
- Most recent paystubs or P&L
Questions
Asked, and answered.
- Is now a good time to refinance?
- We will only recommend it if the math earns its place. If it does not, we will tell you to wait.
- How long does cash-out take?
- Typically 21–28 days from documents in, faster on streamline programs.
- Can I roll closing costs into the loan?
- Yes, and we will show you both scenarios with full lifetime cost so you can choose deliberately.
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