Refinance Made Easy

Whether you're looking to lower your monthly payment, access cash from your equity, or shorten your loan term, our refinance options are designed to fit your goals. We also offer Mortgage Purchase Loans, Reverse Mortgages, and more — all with a focus on personalized service and efficiency.

Discover Our Services

Understanding Refinance Loans

Refinancing your mortgage means replacing your current home loan with a new one — often with better terms.

Homeowners refinance for many reasons, including:

+ Lowering monthly payments with a reduced interest rate
+ Accessing home equity through a cash-out refinance
+ Shortening the loan term to pay off your home faster
+ Switching from an adjustable-rate to a fixed-rate loan
+ Eliminating Private Mortgage Insurance
+ Consolidating Debts
+ Investing into a Business or building an ADU

At Equitable Lending, we guide you through every step, helping you find the right refinance option to fit your financial goals.

Call Us Today at Toll Free: (877)885-0111

Real estate concept business, home insurance and real estate protection. Real estate investment concept. Buy and sell houses and real estate online on a virtual screen.

Business, portrait and smile with black woman in office for start of corporate or professional career. Confident, creative and mission with happy employee at design agency workplace in Nigeria

Close up portrait of happy senior smiling and looking at camera while sitting in the cafe at evening.

Your Next Great Opportunity Awaits with Equitable Lending.

Strategic Thinking

Innovate solutions and drive progress by utilizing your sharp, analytical mind while navigating our various Mortgage Purchase Loans and Refinance Loans.

Efficient Communicator

Articulate ideas clearly and foster robust collaborations within the team, especially when helping with Reverse Mortgages and Investor Loans.

Dedication

Commit to excellence and continuous improvement in every task, whether it’s Loan Options or Non-QM Loans.

Nothing on our website should be considered as an offer for extension of credit or commitment to lend. All loans must satisfy company underwriting guidelines and not all applicants may qualify. Information and pricing are subject to change at any time and without notice. The content on our website advertised is for informational purposes only. Products not available in all areas. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. Equitable Mortgage & Realty Inc dba Equitable Lending is providing the calculator tools on this website as a courtesy and results are estimates only. Please consult with a licensed Loan Originator for more specific information and to discuss your individual needs and circumstances. A pre-approval does not constitute a loan commitment or guarantee of a loan. Pre-approval is subject to a satisfactory appraisal, satisfactory title search, and no meaningful change to borrower's financial condition.

Our Services

Mortgages Made Easy

At Equitable Lending, we specialize in making your mortgage process simple and straightforward, whether you're purchasing your first home or refinancing your current one.

Mortgage Purchase Loans

We offer a range of options for first-time home buyers to help you secure the perfect home.

Refinance Loans

Discover how refinancing can reduce your monthly payments and save you money.

Reverse Mortgages

Unlock the equity in your home to enhance your retirement income.

2nd Loans and HELOCs

Flexible borrowing solutions to help you access cash while keeping your first mortgage intact.

Investor Loans

Tailored financing options designed specifically for property investors.

Non-QM Loans

Offering unique financing solutions for those who don't qualify under traditional guidelines.

CLICK HERE FOR MORE CLIENT Testimonials & REVIEWS

What Our Clients Think

Portrait of a smiling man with long hair and a beard, wearing a suit and tie, with a star badge symbol in the corner.

Working with Equitable Lending on my refinance was wonderful. Though there were some hiccups along the road, the team at Equitable was fast, responsive, creative in their problem solving. I would reccomend them to future prospects for their lending needs!

DENNON SMITH

Person with long hair and hoop earrings smiling, standing in front of a wall with colorful graphics.

It's excellent to work with this team, always willing to help, and I was able to close the loan in less than a month. I recommend them

VICTORIA ALCANTARA

Equitable Lending made the entire process easier to understand and follow. I was pleasantly surprised and very impressed with all that I interacted with. Robert Ceroke, in particular, would answer all of my stressed out calls, texts, emails graciously and thoroughly. He made sure I understood what was going on which made me feel confident in the company itself.

DONNA MATHES

Enhance Your Home Financing

Equitable Lending makes mortgages easy and accessible

For years, we have provided tailored mortgage solutions, helping individuals secure the best financing for their needs. With Equitable Lending, you can achieve your homeownership dreams efficiently.

Lower Rates

Reduce your monthly payments

Our competitive rates on home loans will help you save significantly on your monthly payments. Experience financial relief today.

Discover refinancing options

FHA & VA Loans

Specialized lending options available

We provide FHA and VA loan programs tailored to meet your needs, whether you are a first-time homebuyer or looking to relocate.

Learn more about FHA & VA Loans

Flexible Options

Experience tailored financing

We offer a range of loan types including Non-QM Loans, Reverse Mortgages and more, providing you with options tailored to your unique financial situation.

Explore flexible loan options

Connect with Equitable Lending Today

Our dedicated team is here to assist you with all your mortgage needs. Reach out to us for personalized assistance and expert guidance.