Refinance With Confidence
Lower your payment, adjust your loan term, or tap into home equity — all with guidance from one consolidated real estate and mortgage team.
Why Homeowners Choose to Refinance with IRN
Whether you’re looking to lower your rate, shorten your loan term, remove mortgage insurance, or access home equity, refinancing can be a smart financial move — when it’s aligned with your goals.
At Imagination Realty Network, our dual-licensed professionals help you evaluate your options and navigate the process with clarity and confidence.
Your One Real Estate Expert
Work with one licensed professional who guides you through the entire refinance — no juggling multiple contacts or repeating your information. No need to work with another company if you decide to buy or sell in the future.
Clear Explanations Without Pressure
We carefully review your financial situation and goals to offer an option tailored to your individual needs. We break down how different refinance options affect your payment, term, and long-term goals so you can make informed decisions.
Aligned to Your Financial Goals
Whether you want lower payments, a faster payoff, or cash-out for renovations or debt consolidation, we show you the best paths available. And since we’re also experts in real estate, we can help you sell if that is your best option.
Popular Refinance Options
Rate-and-Term Refinance
Lower your rate, payment, or change your loan term. Ideal when market rates improve or when you’re looking to build equity faster.
Cash-Out Refinance
Tap into your home’s equity for renovations, debt consolidation, or major expenses. Certain lending and equity requirements apply.
FHA Streamline Refinance
For eligible FHA homeowners — minimal documentation, no appraisal in many cases, and simplified underwriting with the goal of lowing your rate and/or term.
VA IRRRL (Streamline Refinance)
For eligible VA homeowners — a streamlined option designed to lower your payment with limited documentation. VA eligibility required.
Mortgage Insurance Removal Refinance
Refinance out of FHA or remove PMI if your home equity has increased. Great for homeowners who purchased with low down payments.
Our Refinance Process
Initial Consultation
We discuss your goals, review timing, provide application information and request supporting documents needed (if any).
Loan Review & Strategy
We review your credit, income, and assets taking into account your current mortgage terms, and equity position, credit, and provide you options.
Underwriting Approval
We prepare your file with the right documentation based on your chosen loan type and we work together on obtaining final approval.
Closing and Payment Update
We guide you through closing and help you understand when your new payment takes effect.
Have Questions? We’re Here to Help.
Ready to Explore Your Refinance Options?
Whether you’re lowering your payment, reducing or increasing your term, or taking cash out — we’ll help you choose the right path.