Refinancing is the process of paying off your existing mortgage with a new mortgage. Typically, you refinance your mortgage to reduce your interest rate and monthly payment or change the length or term of your mortgage. You may also refinance to take cash out from your home’s equity.

See all the types of refinance loans we offer:


Conventional loan refers to any housing loan that’s not insured or guaranteed by the Federal Government. Conventional loans offer competitive interest rates, and documentation and good credit are required to qualify.


An FHA loan is a mortgage that’s insured by the Federal Housing Administration. Borrowers with FHA loans pay for mortgage insurance, which protects the lender from a loss if the borrower defaults. FHA-insured loans require very little cash to close, and provide more flexibility in calculating household income and payment ratios.


Reserved for active duty military, eligible veterans and reserves or their surviving spouses, VA home mortgage loans are backed by the Veterans Administration.

Fixed and Adjustable

It’s important to be confident that you will remain in your home for at least a few years before refinancing. Refinancing fixed or adjustable rate mortgage can save you money and can be a smart choice. Let Atlantic Premier Lending help you find your best mortgage rate.


USDA or rural development loan program provides low and moderate income borrowers with better affordable housing finance options with little or no down payment or out of pocket costs. The property must be located within a USDA designated area.


There are several good reasons to pursue refinancing of commercial property. Take advantage of the savings from a lower interest rate and longer loan terms. Reduce long-term debt and monthly payments. Generate greater cash flow from commercial property by refinancing.

Ready to Refinance ?

Atlantic Premier Lending can offer you a variety of refinance options. Whether you would like to lower your interest rate and monthly payments or would like to pull Cash-out of your home, we have something for everyone.

Benefits of Refinancing

Refinancing is often motivated by lower interest rates which help lower costs over time. But there is no “one-size-fits-all” solution. Here are a few reasons you might benefit from refinancing your home.


Lower Payment

When rates fall, it’s tempting to refinance. A common rule is that a 2% drop in rates will make it worthwhile, but this varies. For a homeowner with a $300,000 balance, a rate reduction of even one percent can lower the monthly payments by a couple hundred dollars and cut long-term interest expenses by hundreds of thousands.

Lower Interest Costs

Locking in a better fixed-rate is great, but it is not the only way to lower your bills. Adjustable Rate Mortgages (ARM) generally offer lower rates in the early years followed by higher rates later. If you plan to be in the house for just a few years, an ARM may make a lot of sense.

Quicker Payoff

Replace a 30-year-loan with 15 years and you’ll be out of debt sooner. This is a good option if you’re okay with higher payments.

Enough Talk, Let's Build Something Together