Refinancing a home often starts when equity grows or financial priorities change. Many homeowners refinance to lower their rate or adjust loan terms to better match monthly budgets. Others choose cash out refinancing to use equity for home improvements debt reduction or property purchases. Strong housing demand in L.A., Murrieta, Temecula, San Diego, Dallas, Austin, and Houston continues to support refinance activity. A clear refinance plan can increase access to cash without selling the home.
California, Florida and Texas refinance loans are available for both primary residences and investment properties. In coastal and affuent metro areas with higher loan balances, many borrowers turn to jumbo refinance loans to secure financing that exceeds conforming limits. Rental owners frequently use DSCR refinance loans to qualify using a non-traditional method property income. Self employed borrowers may also use bank statement refinance options or a P&L mortgage and avoid traditional documents.
Common refinance programs borrower use in California, Florida and Texas include:
See which refinance programs fit
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| Loan Type | 1‑4 Unit (P) | 1–4 Unit (R) | 5–10 Unit | Mixed‑Use | |
|---|---|---|---|---|---|
| ✓ | ✓ | ✗ | ✗ | ||
Conventional Rate‑and‑Term & Cash‑Out
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| ✓ | ✓ | ✗ | ✗ | ||
FHA, VA & USDA Streamline / Full Refi
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| ✓ | ✓ | ✗ | ✗ | ||
High‑Balance Jumbo Refinance
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| ✓ | ✓ | ✗ | ✗ | ||
Bank Statement, 1099 & Asset‑Based Refi
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| ✗ | ✓ | ✓ | ✓ | ||
Debt Service Coverage Ratio (DSCR) Refi
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| ✓ | ✗ | ✗ | ✗ | ||
Asset Depletion & No Ratio Loans Refi
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| ✓ | ✓ | ✓ | ✓ | ||
Bridge & Specialty Lending
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Disclosure: Minimum loan amount is $200,000 for residential loans. Loan programs are subject to change per lender at any time until the loan is approved and the rate is locked. Borrowers must be approved by underwriting. Not all applicants will qualify.