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.

Fast, no-obligation pre-qualification
Bank-statement programs available
Backed by self-employed lending expertise

🔒 Secure form. No obligation to proceed.

Why FlexPoint, Inc.?

Bank-Statement Options

Self-employed Expertise

Flexible Non-QM Programs

One-to-one Guidance

WHO IS THIS FOR?

Perfect for homeowners who want to make their mortgage work smarter.

Whether you run your own business, earn 1099 income, or simply don’t fit the traditional lending box, FlexPoint offers programs tailored to your needs.

Self-employed professionals and 1099 earners
Business owners using personal or business bank statements
Borrowers whose tax returns don’t reflect their true income
Homebuyers and refinancers who don’t fit traditional guidelines

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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 REQUEST

“

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 loan today

Don’t let traditional lending rules hold you back. With FlexPoint, Inc., self-employed borrowers have a clear path to homeownership and refinancing.

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

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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.