Refinancing Made Simple

Refinancing can be a great step: reduce interest rates, shorten your loan term, or unlock cash from your home’s equity. At BrightGate Mortgage, we help you assess your current loan, explore the options, and choose what aligns best with your financial goals.

See our Terms & Conditions and Privacy Policy here for more details.

Options

Mortgage Options

VA

Active or former service members looking to utilize their VA benefits can qualify for loan products with no money down at the lowest rates available.

Conventional

Your traditional loan option, simplified and quick. Options with as little as 3–5% down.

FHA

Allows first-time homebuyers or those who are still saving for their dream home the chance to qualify for more home with less money down.

Down Payment Assistance Programs

Designed for first-time homebuyers, programs are available to help you achieve your dream of owning a home.

Low FICO Options – 500+

When large lenders and banks won't take the time to work with you, we have options allowing you to secure the financing you need.

Investor / Bank Statement

For business owners or investors where a traditional mortgage doesn't work, we have multiple options available for you as well.

Reverse Mortgages

For homeowners aged 62 and older, a reverse mortgage allows you to convert a portion of your home's equity into cash without selling your home, helping you supplement retirement income or cover major expenses.

Commercial Loans

Whether you're purchasing, refinancing, or expanding a commercial property, we offer flexible lending options tailored to meet your business goals and growth potential.