Check Loan Eligibility | Kamron Kimbrough, GoRascal

Check Loan Eligibility | Kamron Kimbrough, GoRascal

Answer a few questions to see which home loan programs may fit your situation. Educational only, not a credit decision. Kamron Kimbrough at GoRascal.

Refinancing depends on your full picture

Working on your credit?

Ready for a full pre-approval?

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Quick eligibility check

You chose refinancing, so purchase programs are not ranked here.

Refinancing

Whether refinancing makes sense depends on your existing mortgage, your home equity, your current rate and loan terms, your credit profile, and your financial goals. Refinancing does not automatically lower your monthly payment or save you money. Closing costs, the new term, and how long you keep the loan all matter.

Rate-and-term refinance

Replaces your current mortgage to change the interest rate, the loan term, or the loan type. It does not add cash to your loan balance.

Cash-out refinance

Replaces your mortgage with a larger loan and returns part of your home equity to you in cash. Your loan balance increases, and it is secured by your home.

If you already have a qualifying loan, some streamlined options may be possible, including the VA Interest Rate Reduction Refinance Loan (IRRRL) for an existing VA-backed loan and the FHA Streamline Refinance for an existing FHA loan. Other streamline options may also exist. These are possibilities only, and each is subject to program requirements. Military service alone does not establish VA refinance eligibility.

We still need a closer look

A full application is the best next step so we can review programs that may fit your situation.

Programs are listed by how closely they match your answers. This order is not an underwriting decision, and the first option is not necessarily the best loan for you.

Potential starting point

Credit can affect which financing options are available and the terms a lender offers. Our credit help page explains practical next steps, and you can schedule a conversation to talk through your situation.

This check is only a starting point. Submit a full application so we can review income, credit, and property details and issue a formal pre-approval when you qualify.

After this short check, a full application lets review your file and walk you through next steps.

Helping you explore home loan options with clear information and personal guidance.

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Kamron Kimbrough ( NMLS# 1123575 ) is a Loan Officer at Go Rascal, Inc. ( NMLS# 2072896 ) Equal Housing Opportunity. For additional company information or licensing see NMLS Consumer Access . Some images on this website may be AI-generated and are used solely for illustrative purposes.