Refinance Your Way | Flexible Mortgage Solutions with FlexPoint

Whether you want to lower your payment, tap equity, or re-structure your mortgage, FlexPoint helps you get the loan that fits your life.

SEE IF YOU QUALIFY

Who is this for?

Self-employed and 1099 earners

Business owners using personal or business bank statements

Borrowers whose tax returns don’t reflect true income

Homebuyers or refinancers outside standard guidelines

Refinance Without the Conventional Mortgage Restrictions

Traditional refinance programs often expect perfect credit, pristine documentation, or conventional income verification. FlexPoint’s refinance solutions are different: we offer flexibility for borrowers with non-standard income, past credit events, or unique financial circumstances.

Purchase or refinance
Clear terms and requirements
Dedicated mortgage loan originators

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How Our Process Works

A simple 2-step path to see if you can get pre-qualification

Step 1

Tell us about your goals and property

Step 2

Review tailored options and next steps

START MY PRE-QUALIFICATION

🔒 Secure form. No obligation to proceed.

“

So glad he handled our refinance at FlexPoint. Their interest rate was fantastic and their fees were lower than other companies that I had compared. Thanks for getting it all done so smoothly.
Susan M.

“

It was a pleasure working with Justin. He helped guide me through the process and was immediately responsive to questions, even via text. Would recommend!
Christopher M

“

FlexPoint is an awesome company. I was surely blessed by getting assigned to Jordan Fletcher. Mr. Fletcher took over my VA refinance and guided me through the whole process in a very timely manner.
Chuck F.

READY TO TAKE THE NEXT STEP?

Apply for a refinance loan today

Don’t settle for rigid requirements or slow timelines. With FlexPoint, you get flexible solutions, transparent terms, and a team committed to helping you reach your financial goals, on your terms.

Self-employed expertise
Transparent terms, fast answers
Thousands of loans funded

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Why FlexPoint, Inc.?

Bank-Statement Options

Self-employed Expertise

Flexible Refinance Programs

One-to-one Guidance

Frequently Asked Questions

What types of refinance does FlexPoint offer?

FlexPoint offers rate-and-term refinance (to lower your rate or shorten your loan), cash-out refinance (to access home equity), and refinance programs tailored for borrowers with non-traditional income or assets.

Can I refinance if I’m self-employed or have complex income?

Yes. FlexPoint’s flexible underwriting can consider alternative documentation (e.g. bank statements, asset-based income) so you don’t need traditional W-2s or tax returns.

Do you offer loans in my state?

FlexPoint, Inc. is licensed in multiple states. Please see the NMLS Consumer Access site for our licensing information.

What are the benefits of a cash-out refinance?

A cash-out refinance lets you access equity in your home — useful for home improvements, debt consolidation, investment, or other financial goals — while potentially locking in new terms or rates.

Can I qualify after a recent credit event?

It may be possible, depending on details.

Do you support purchase and refinance?

Yes, subject to eligibility.

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