Refinancing with City Lending

There are multiple advantages to refinancing your home. Get cash out, lower your monthly payments, or eliminate mortgage insurance from your current loan.

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Offering you Multiple and Flexible Refinance Programs.

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We Offer Some Of The Lowest Down Payments & Interest Rates In The Nation

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We have specialized loan officers to help you at all times.


Our Programs

If you are in need of an economic relief, a house refinance might be ideal for you. Know some of our programs below or contact one of our skilled agents to find the right program for you.

* By refinancing the total finance charges may be higher over the life of the loan


An FHA cash-out lets a borrower to replace their current mortgage with another mortgage, as well as get cash, if you have sufficient equity in your property.


  • Receive money from your house

  • No late Mortgage payments in the last 12 months

  • Transform your home equity into cash


Ideal for those who are ready to upgrade their current loan. This conventional refinance program will allow you to save a lot of money.


  • High DTI OK: 50% Max DU and 45% Max LP

  • Reduce your loan contract extension

  • Eliminate mortgage insurance


Low income homeowners can now refinance their homes the easy way with RefiNow. The new refinance program that reduces application requirements and increases the chances of saving more money on monthly payments.


  • Save at least $50 monthly

  • Reduce your interest rate by at least 0.5%

  • Financial aid to cover the appraisal cost

  • Low credit score: apply with a minimun credit score of 620


The VA Loans are designed to help service members and Veterans obtain financing at very reasonable rates. VA loans offer financing up to 100% of the home’s value with no maximum loan limit.


  • 100% Financing

  • Up to 1 million usd

  • Only for military borrowers


With this loan you can make home improvements on a new house, make simple upgrades like a kitchen or bath for a home you already own, or completely reconstruct an unlivable property.


  • No Overlays: We will underwrite based on FHA Guidelines.

  • High DTI OK: Max DTI of 55% for 640+ FICO. Only for primary residences.

  • LTV up to 110 of the after improve value


This loan is ideal if you are having a hard time qualifying for a traditional home loan. This program gives self-employed homeowners the ability to qualify based on a 12 or 24-month deposit fee using their personal or business bank account.


  • No tax returns required (Bank Statements Only)

  • Credit scores down to 620

  • Up to 90% LTV


This program allows borrowers to refinance an existing FHA loan to a lower rate more quickly. Avoiding a lot of paperwork, and often without an appraisal, the Streamline option saves borrowers time and money.


  • No income verification

  • No appraisal required

  • Easy credit qualifications

  • Very low Cash to Close


The Individual tax identification number or ITIN Number Loan Product is for foreigners who do not hold proper documentation or valid Social Security Number. Borrowers must provide legal permissions that certificate they are allowed to work in the United States.


  • 10% Down Payment

  • 2 Years Tax Returns Required

  • Max DTI is 43%

  • Minimum loan size is $150,000

  • Current Foreign Passport

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Why Should I Choose City Lending?

We guarantee premium customer service and assistance for you. Your home is our priority, and your happiness our mission. We’ll ensure the entire experience is a memorable one that will continue the joy of homebuying. We are so sure that you will have a pleasant experience that you will feel excited to tell family members and friends about us.

At the end, most of our customers become family.