Refinance home loans pay off one loan with the proceeds from a new loan using the same property as security. Refinance home loans allow the homeowner the opportunity to change interest rates or terms on their current loan to accommodate their needs at the time.

We are the Refinance Experts and have helped thousands of borrowers save money every month!


  • Reduce your rate or term
  • Pay off high interest debt
  • Cash-out programs
  • Save thousands!
  • Build equity faster
  • Hassle free
  • NO appraisal fee
  • Skip 1-2 payments
  • No Closing Cost options
  • Free consultation
  • Historically low rates!
  • Free Home and Credit Consultation

With an FHA 203(k) loan, you could paint your house, get new appliances, remodel the kitchen, install new carpet, add hardwood flooring, repair or replace a leaky roof, improve HVAC, replace windows or waterproof your basement to name a few.

Even if your home is “upside down” you may be able to refinance and lower your monthly payments! The Home Affordable Refinance Program (HARP) is a federal government program that enables qualified homeowners with government-backed mortgages to refinance at today’s record low rates.

SouthPoint Financial is one of the few companies able to offer the HARP program to homeowners who may have Mortgage Insurance on their existing mortgage.

HARP was introduced in 2009 and intended to help homeowners who owed more than their home was worth to refinance into a new affordable, more stable mortgage. The federal government broadened refinancing guidelines in November 2011 in order to make more homeowners eligible. Even those who did not qualify in the past might be eligible with today’s HARP program.

The “ceiling” requirement that homeowners owe no more than 125 percent of their home’s worth was eliminated. The deadline for refinancing was moved to December 31, 2017 so you still have time!

  • Your mortgage must be owned or guaranteed by Fannie Mae or Freddie Mac.
  • You do not have an FHA, VA or USDA loan.
  • The current loan-to-value ratio on your mortgage must be greater than 80 percent.
  • No missed mortgage payments in the past six months and no more than one missed mortgage payment in the past 12 months.

If have been unable to refinance because the value of your home has declined, you may be eligible to refinance through HARP. Call (800) 573-6247 to see if you qualify for a HARP refinance loan and get a personalized rate quote.