If you're thinking about refinancing your mortgage, The Maltese Group in Las Vegas is here to guide you with local expertise and customized loan solutions. Whether you want to adjust your term, explore equity access, or change your loan type, we provide refinance options that align with your financial objectives. Our team is trusted throughout Southern Nevada for dependable service, transparent communication, and personalized support.
There are many reasons Las Vegas homeowners choose to refinance. Common goals include:
We'll help you review your current mortgage and explore whether refinancing could align with your goals.
Homeowners may consider refinancing if:
Our team will walk you through eligibility and program options based on your home value, credit, and financial plan.
This option may help adjust your interest rate or loan term to better fit your current financial picture.
Tap into your home equity by replacing your mortgage with a new, larger one and receiving the difference as cash. This may be useful for home improvements, large expenses, or consolidating other debts.
Available to existing FHA borrowers. This simplified process may offer an opportunity to adjust your rate and terms with limited documentation.
Eligible veterans with VA loans can refinance through a streamlined option requiring minimal paperwork and no appraisal.
Change from an FHA or VA loan to a conventional mortgage to remove mortgage insurance (if eligible), adjust terms, or update the loan structure.
Move from an adjustable-rate mortgage to a fixed-rate loan to establish a predictable payment schedule for future planning.
Feature | Streamline Refinance | Full Refinance |
---|---|---|
Appraisal Required | No | Yes |
Income Verification | Sometimes waived | Required |
Timeline to Close | Faster | Typically 21 to 30 days |
Loan Type Change | Not allowed | Allowed |
Cash-Out Option | Not available | Available |
1. Initial Consultation: We start by evaluating your existing mortgage and helping you define your financial objectives.
2. Program Exploration: We present potential refinance options based on your loan type, credit profile, and equity position. All options are tailored to your needs.
3. Secure Application:Upload documents through our secure portal, and we’ll take care of paperwork, underwriting, and timelines.
4. Lock Terms and Close: Once a loan option is selected, we coordinate rate locks and closing. Most loans close in 3 to 4 weeks depending on the scenario.
We serve clients across the greater Las Vegas Valley including Henderson, Summerlin, and North Las Vegas. Our familiarity with local home values, property types, and lending standards gives us an edge when crafting customized refinance strategies for your ZIP code.
Yes, depending on the loan type. Some programs allow refinancing with less than 20 percent equity, though mortgage insurance may apply.
In some cases, switching can eliminate ongoing mortgage insurance. We'll evaluate this based on your financial profile and home value.
You can still refinance. We’ll help facilitate subordination from second lien holders when needed.
Yes, unless you choose a shorter term. For example, moving from a 30-year to a 15-year loan can help build equity faster depending on your payments.
Yes, but these can often be rolled into the new loan amount. We’ll clearly outline your options before moving forward.
Most lenders require at least 6 months after the original loan, but exceptions exist. We’ll advise based on your circumstances.
If you’re ready to explore your refinance options, connect with The Maltese Group today. Our licensed experts will help you evaluate your loan, review potential opportunities, and walk you through every step of the journey.
Begin with a quick consultation or submit a secure online application when you're ready.
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