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Browse to find answers to commonly asked questions.

What is a mortgage refinance?

Creating a new mortgage to replace the previous financing, typically with more favorable terms or new borrowers added/subtracted.

when should I consider refinancing my mortgage?

Typical scenarios where you may consider refinancing your mortgage:

• Rates are at least .25 lower than when you last financed
• Your fico score has improved 20+ points, or your income has increased 10%
• Your home has significantly appreciated in market value
• Home improvements such as a pool or solar need to be installed
• When a life event may impact cash flow, such as a birth, college acceptance, planning to open a new business, marriage, retirement or death in the family.

What types of refinances mortgages does Nada Loans offers?

Nada Loans offers cash-out refinance loans as well as rate-and-term refinance loans. If you’re looking to lock in more favorable loan terms, you might want to explore rate-and-term refinancing. This kind of refinance can help you secure financial benefits such as reducing the amount of your monthly payments, changing the type of loan you currently have, or getting rid of private mortgage insurance (PMI). If you’re looking to access quick cash, cash-out refinancing can help you convert your home equity to capital. Get pre-approved in as little as 3 minutes to see what options are available to you.

What closing costs can I expect when I refinance?

When you refinance your mortgage, you’ll encounter many of the same closing costs that you had to pay when you finalized your original loan. These costs can include third-party fees, insurance, escrow and taxes. You should review your Loan Estimate and your Closing Disclosure for a complete list. Usually, these costs add up to about 2-5% of the loan amount. Ready to refinance? Check out rates and see which terms you qualify for today.

What are the benefits of refinancing?

Depending on your situation one of these should apply:

• Lower rate
• Shorter term
• Lower payment
• Debt consolidation
• Home improvement
• Cash in handChange of title ownership (Death, Divorce, Marriage)

What is a cash-out refinance?

A cash-out refinance is when a mortgage is refinanced for more than the outstanding balance—converting home equity into cash. Cash-out refinancing can be a great way to free up money for outstanding debt or to make an investment in home improvements.Common ways you could use a cash-out refinance

• Home renovation
• Debt consolidation
• Student loans, tuition fees and college funds
• Retirement funds
• Investing in new properties
• Buyout a co-borrower

Do I need to have a house appraised in order to refinance?

In most cases you do need to have your house appraised in order to refinance. However, depending on the circumstances, an appraisal may not be required. Consult your Nada Equity Specialist to find out if an appraisal is necessary before you start the refinancing process.

Still have questions?

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Nada Holdings, Inc. (“Nada”) has a business relationship with Nada Loans, LLC, Nada Realty LLC, Nada Homeshares LLC, Nada Home Services, LLC, Nada Insured LLC, and Expetitle Nada Group, LLC. (collectively, the “Affiliates”). Learn more about Affiliated Businesses..

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Cityfunds I, LLC is a Delaware series limited liability company, formed to enable public investment in residential real estate properties in specific cities. A separate series of the Company will be formed to invest in the properties in each such city, either directly or through our “HomeShares” product, and each series intends to sell membership interests in the series to investors through a potential under Tier II of Regulation A of the Securities Act. As a Delaware series limited liability company, the debts, liabilities, obligations, and expenses incurred, contracted for or otherwise existing with respect to a particular series are segregated and enforceable only against the assets of such series, as provided under Delaware law.

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