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Ready to Refinance Your Home?

Whether you have an 800+ credit rating or you have some financial challenges, First Direct Lending can help!

Get Started Today
Call us Today! 1-855-510-EASY

Ready to Refinance Your Home?

Whether you have an 800+ credit rating or you have some financial challenges, First Direct Lending can help!

Are you Eligible to Refinance your home Loan?

First Direct Lending has an entire department, dedicated to finding you the best loan options. We decided from the very beginning to offer the widest range of mortgage loan programs to help the broadest range of borrowers possible. To help borrowers and mortgage specialists navigate our huge portfolio of offerings, we put together a team of dedicated Product Placement Specialists. They consider your specific goals and financial situation and match up the best loan for you . . . and the best part this is usually done in five minutes or less!

What Rates and Terms Can I Get When I Refinance?

Our mortgage specialists have seen — everything and found great loan solutions for just about everyone — from borrowers with a credit score of 850 to borrowers with multiple credit issues who had been turned down at their current lender.

Get rewarded for your great credit standing

For borrowers with good to excellent credit ratings and a good credit history, we offer competitive rates and a whole host of loan options to help you plan for your future success. How competitive? You can check out our current refi rates, or call or fill out our “Let’s Get Started” form to discover our best rates for highly qualified borrowers.

How competitive are First Direct Lending's Refi Rates?
You can check out out Current refi rates or fill out our "Let's Get Started" form

What if I have credit issues or was turned down in the past?

We can help most borrowers refinance. Even if you are currently credit-compromised (a credit score of 500 or less), have had bankruptcy, a foreclosure or short-sale in the past and even if you’ve had a few late payments . . . we can usually help, even if you’ve been turned down for a loan recently.

What if I really don’t qualify? How can you help?

Even if you aren’t eligible now, we don’t just say “no.” We’ll tell you how and when you can become eligible so we can say “yes” in the future. We’ve helped borrowers overcome many credit issues including ...

  • 500 or lower Credit Score
  • Chapter 7 Bankruptcy: eligible 1 year from discharge!
  • Chapter 13 Bankruptcy: eligible 1 day from discharge!
  • Previous Foreclosure: No waiting period!
  • Previous Short Sale or Deed-in-lieu: No waiting period!
  • Late Mortgage Payments: All Situations Considered!
  • Difficult to verify income from a job, Social Security, or investments

So before you decide (or your lender decides for you) that you don’t qualify, why not give it a shot? Call or complete our “Let’s Get Started” form to find out for sure! You’ve got nothing to lose (there’s no cost or obligation) and a better financial future to look forward to!

Looking for a better rate?

Not sure if you’ll qualify for a refi?

We’ll let you know in 5 minutes.

First Direct Lending Refinance Performance

 Key milestones below illustrate the average time periods our borrowers experience with First Direct Lending.

2 HRS
Refinance with bad credit_How does refinancing work?

Preliminary Loan Review
2 hours - same day

2 days
Refinance with bad credit_How does refinancing work?

Appraisal Order
2 days

10 days
Refinance with bad credit_How does refinancing work?

Final Appraisal Report to You
10 days

14 days
Refinance with bad credit_How does refinancing work?

UNDERWRITTING
14 days

Call Us Today: 1-855-510-EASY