• This field is for validation purposes and should be left unchanged.

Cash Out Refinance and Rate & Term Refinancing

Credence Funding Corp. offers some of the of most competitive mortgage rates and closing costs for refinancing residential mortgages in the Country. We offer both cash-out and rate and term refinancing to help homeowners tap into their equity, consolidate debt, and lower their monthly mortgage payments or shorten the duration of their loans.

Contact us today for a free quote and consultation – (866) 821-4120.

Conventional Cash Out Refinancing

Looking for funds for a home improvement project, paying off higher interest rate debt, educational costs, or any other reason? A cash out refinance may be a great solution. Many of our conventional cash out programs allow homeowners to cash out up to 80% of the equity in their homes.

Rate & Term Refinancing

Are you looking to capitalize on today’s low interest rates and lower your monthly mortgage payments? Or, are you hoping to knock years off your loan and save thousands of dollars in interest payments by refinancing from a 30 year fixed rate mortgage down to a 20, 15, or 10 year product? Either way, we can likely help you meet your goal.


Conventional cash-out refinancing highlights:

  • Cash out up to 80% value of the home. Higher percentages may be available with a FHA or VA cash out refinance.
  • Highly competitive mortgage rates
  • Any closing costs typically deducted from cash out amount meaning no money out of pocket
  • Available for most types of 1-4 unit residential properties used as primary residences


Overview of Conventional Rate and Term refinancing:

  • Opportunities to refinance to lower interest rates
  • Potential to refinance to shorter repayment period (i.e. 30 years down to 15 years)
  • Borrower may be able to refinance closing costs into existing loan balance
  • We shop for some of the lowest mortgage rates in the marketplace to save customers time and money


Have questions regarding a cash out or streamline refinance?