You searched:
“can I refinance with no equity in my home”
Limited or no equity does not always block a refinance. Streamline programs, high-LTV options, and strategic approaches exist specifically for homeowners in your situation.
Take a breath. Help is here.
- You are not alone -- thousands of people search this every month
- Real options exist for your specific situation
- No judgment -- just honest guidance from licensed professionals
We've Helped Others in Your Situation
Why This Happens
Understanding the common reasons -- and knowing that each one has a path forward.
- 1Bought recently with low down paymentSolution exists
- 2Home values declined in your areaSolution exists
- 3Need to lower payments but lack equitySolution exists
- 4Owe close to what home is worthSolution exists
There's Always a Path Forward
Being denied feels overwhelming, but it doesn't mean your homeownership dream is over. Our specialists work with challenging situations every single day.
Your Options Right Now
FHA Streamline Refinance
If you have an FHA loan, streamline refinance does not require an appraisal. Your equity level does not matter.
Available nowVA IRRRL
VA-to-VA refinance requires no appraisal and no equity verification. Just a lower rate.
Available nowHigh-LTV Conventional Programs
Some programs allow refinancing up to 97% LTV for rate reduction purposes.
May take timeTalk to someone right now
No automated menus. A real licensed mortgage professional who understands your situation.
(248) 864-2200No equity? There may still be refinance options.
Start Your Application
Takes about 5 minutes. No obligation. No credit check until you are ready.
Our Presence
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Frequently Asked Questions
Limited options exist. FHA Streamline and VA IRRRL do not require appraisals. Some high-LTV programs go up to 97-105% LTV.
A simplified refinance for existing FHA or VA borrowers that requires less documentation, no appraisal, and focuses on reducing your rate and payment.
Make extra principal payments, invest in value-adding home improvements, and wait for natural market appreciation. Even small extra payments accelerate equity building.
No equity? There may still be refinance options.
We will reach out at a time that works for you. No pressure, no obligation.