Refinance Your Mortgage With No Lender Fees
Rates dropped. Unlock equity and take cash our or refinance into a lower payment and save hundreds each month. Learn what a refi can do for you.
Don't Miss a Rate Drop! Stay Ahead With LendFriend Rate Alerts
Mortgage rates can change daily. Our free Rate Alerts keep you one step ahead, sending you real-time updates when rates drop so you can lock in savings at the perfect time. Join thousands of homeowners and buyers who rely on LendFriend to know exactly when to act.
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Lower your mortgage payment or access your home equity in as little as 14 days
Lower Your Payment With a Rate & Term Refinance
Refinance into today’s lower rates or shorten your term to cut monthly costs. Save thousands in interest over the life of their loan.
Cash-Out Refinance: Access Your Equity
Turn your home equity into tax-advantaged cash for renovations, debt consolidation, or new investments—without paying lender fees.
Calculate Your Savings
Use our Refinance Calculator to see how much you can save each month by refinancing your mortgage with LendFriend Mortgage
Why Homeowners Trust LendFriend With Their Refinance
At LendFriend Mortgage, we specialize in helping homeowners and investors secure financing without the red tape and hidden costs common with big banks. Our clients choose us because:
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No Lender Fees. We don’t pad your closing costs—every dollar saved goes back in your pocket.
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Low Rates, Lower Payments. Whether through a conventional refinance, FHA streamline, or VA IRRRL, we help homeowners lock in today’s low rates to reduce monthly costs and save thousands over the life of the loan.
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Cash-Out Refinance Options. Tap into your home equity for renovations, debt consolidation, or new investments—without unnecessary restrictions.
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Specialty Refinance Programs. From jumbo refinances to DSCR investor loans, bank statement refinances, and crypto-backed mortgages, we tailor solutions for borrowers traditional lenders overlook.
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Fast, Transparent Closings. Our refinance process is built for speed and clarity, with most loans closing in weeks—not months.
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Trusted expertise. With 500+ five-star reviews, our team is known for transparent guidance and white-glove service from application to close.
Stronger Negotiating Position when Buying a Home
The equity in your current home is unlocked and used as a downpayment on your new home; meaning no sales contingency required! Sellers HATE sales contingencies. Without a sales contingency, your offer is stronger, increasing your chances of buying your next home with ease.
Get the Highest and Best Sale Price
Without feeling pressured to sell quickly, you can wait for the best offer on your current home. List your home at the best time, market it effectively, and attract more competitive offers. With no rush, you can negotiate better terms and get the highest selling price.
Reduced Stress
Don't worry about finding temporary housing or organizing multiple moves. Avoid the chaos of having to coordinate the sale of your current home and the purchase of a new one. Transition seamlessly from one home to another and reduce stress or anxiety, making the moving process more manageable and organized.
Time for Improvements
Make necessary renovations or updates to your new property before you move in. Painting, remodeling, or other improvements would be more challenging if you were already living there. Moving into a freshly updated home (instead of living in it during renovations) is just so much nicer!
Lower Interest Rate GUARANTEED With LendFriend
While many crypto-backed mortgage lenders like Milo and Lendr advertise rates in the 9% range, our crypto-backed mortgages are closer to 7%—depending on your credit qualifications. That means you can finance your home with your digital assets and keep more of your money where it belongs: in your pocket.
Reviews from Happy Homeowners
5/5 Star Reviews on Google, Zillow, and Experience.
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Eric and his team at LendFriend were incredible. They helped us lock in a competitive mortgage rate and were super responsive—even on holidays! Thanks to their speed and support, we were able to secure our dream home the same day it was listed. I can’t recommend them enough. Really a great experience from start to finish!
Aaron Legare
Closed August 2025 -
I have purchased 8 houses in 23 years and have never had an easier closing. Eric and his team have streamlined the process and were a pleasure to work with. They also saved us a lot of money on closing. I highly recommend LendFriend and his team.
April Magnia
Closed August 2025 -
Best rates around and very friendly. Would do business again.
Samantha Lozano
Closed August 2025 -
LendFriend was absolutely great to work with! Michael, Crystal, and Morgan there were all extraordinarily helpful in explaining and walking us through all aspects of our mortgage loan initiation process, and made the process as straightforward and simple as possible. They found us a fantastic rate with very low closing costs, and their customer service is nothing short of stellar. We are very glad to have reached out to them for our new home mortgage, and would HIGHLY recommend them to anyone looking for a new home loan!
Michael Koetting
Closed June 2025 -
I had a great experience with Eric and his team for my VA IRRRL refinance! They were incredibly helpful, and we got everything done in just a few weeks with no issues whatsoever. I cannot recommend LendFriend enough, and they will always be my first call for any future needs. Thank you Eric!
Tyler Stearman
Closed April 2025 -
I had an exceptional experience with LendFriend Mortgage! From start to finish, the team made the process smooth, transparent, and stress-free. They took the time to explain every detail, answered all my questions promptly, and ensured I felt confident every step of the way. The customer service was outstanding—friendly, professional, and genuinely focused on helping me get the best possible rate. My closing was quick and seamless, and I couldn’t be happier with the outcome. I highly recommend LendFriend Mortgage, Eric, and Chelsey to anyone looking for a reliable and trustworthy lender!
Katia
Closed August 2025
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FAQs: How Refinancing Your Mortgage Works
Why should I refinance my mortgage
Homeowners refinance to lower their monthly payment, secure a lower interest rate, shorten their loan term, or tap equity through a cash-out refinance. The right refinance can save thousands over the life of your loan.
What documents do I need for a refinance?
Typically you’ll need recent pay stubs, W-2s or tax returns, bank statements, and a credit check. If you’re self-employed, you may qualify with bank statement loans or asset depletion programs instead of traditional tax documentation.
Will I need a home appraisal for a refinance?
Conventional refinances usually require an appraisal to determine your current home value. However, FHA Streamline refinances and VA IRRRLs often waive the appraisal requirement, making the process faster and easier.
Does refinancing affect my credit score?
A refinance requires a credit inquiry, which may cause a small, temporary dip. Over time, refinancing into a lower payment can actually improve your credit by reducing your debt-to-income ratio.
How much does it cost to refinance?
Closing costs for a refinance are typically 2%–5% of the loan amount. At LendFriend, we charge no lender fees, helping you save significantly compared to big banks.
How long does it take to refinance?
The refinance process usually takes 30–45 days. Streamline programs and digital underwriting can speed up timelines, while cash-out refinances may take a little longer due to appraisal and title updates. Often times it depends on how quickly the borrower can meet the conditions required by the lender.
Can I refinance if I have a jumbo loan or investment property?
Yes. Jumbo refinances, DSCR loans, and other non-QM refinance programs are designed for high-balance properties and real estate investors who may not fit traditional guidelines.
When should I refinance my mortgage?
The best time to refinance is when today’s lower mortgage rate by at least 1%, or when tapping your equity through a cash-out refinance helps you reach other financial goals. Homeowners also refinance to remove mortgage insurance, shorten their loan term, or switch from an adjustable-rate mortgage to a fixed-rate loan.