Looking to Refinance a Home?

Maximize your wealth & make the most of
your refinance. Leverage Smarter.

Our refinancing process is the FASTEST and EASIEST way
to lower your total loan costs or tap into your home's equity.

Refinance Assistant

Our quick, easy, and free Purchase Assistant will help you narrow down your loan options based on your needs and goals.

How To Leverage Smarter

Strategize

The best refinance strategy prioritizes the loan with the LOWEST TOTAL COST and GREATEST FINANCIAL BENEFIT. Together, we will create your ideal loan strategy.

Customize

Your loan will be crafted to meet your current needs, reduce overall risk, and maximize your potential for future opportunities.

Deliver

Our PERFECT LOAN PROCESS is designed to make this the easiest loan you’ve ever gotten. See the Leverage Smarter difference.

Manage

Life, financial markets, and real estate markets change over time. We have the tools and systems to help you MAXIMIZE YOUR WEALTH as your life's journey evolves. Our commitment and service to you is just beginning.

The Refinancing Process:

What To Expect

1.

We review your current mortgage and income to complete accurate analysis. Then determine the benefits of refinancing, or if it is a good choice for you to do so.

2.

We present to you the best solution after we confirm that the loan is approvable.

3.

We review the refinance variables disclosure form and then e-mail the rate lock sheet for your signature to move forward.

4.

Once all documents have been completed and signed the appraisal, title, playoffs, and insurance binders are ordered.

5.

Our underwriter reviews the file to ensure everything is complete.

6.

Our closing department prepares your closing papers.

7.

We review your numbers with you one final time before closing.

8.

You sign your closing papers.

Leverage Smarter is a lending team managed by Eric Miller; NMLS 1603091. V.I.P. Mortgage, Inc. DBA Spire Financial does Business in Accordance with Federal Fair Lending Laws. NMLS ID 145502. For state specific licensing, visit www.vipmtginc.com/national-licenses/. V.I.P. Mortgage, Inc. is not acting on behalf of or at the direction of the FHA/HUD or the Federal Government. This product or service has not been approved or endorsed by any governmental agency, and this offer is not being made by any agency of the government. V.I.P. Mortgage, Inc. is approved to participate in FHA programs but the products and services performed by V.I.P. Mortgage, Inc. are not coming directly from HUD or FHA. Information, rates, and programs are subject to change without notice. All products are subject to credit and property approval. Not all products are available in all states or for all loan amounts. Other restrictions may apply. This is not an offer to enter into an agreement. Not all customers will qualify.