Lower Your Rate, Boost Your Savings
Refinancing your mortgage for a better interest rate or more favorable terms can lead to substantial monthly savings and long-term financial benefits. At Equity Partners USA, our Rate & Term Refinance options help you reduce your interest rate, shorten your loan term, or switch loan types—all without tapping into your home equity.
Restructure Your Mortgage, Not Your Life
Whether you’re moving from an adjustable-rate to a fixed-rate mortgage, or switching from a 30-year to a 15-year term, our refinancing solutions are tailored to fit your evolving lifestyle and financial goals. We make restructuring simple—so you can focus on building wealth, not worrying about your mortgage.
No Cash-Out, Just Smart Adjustments
Unlike a cash-out refinance, Rate & Term Refinance focuses solely on changing the structure of your existing loan—not increasing the loan balance. This makes it an excellent option for borrowers looking to take advantage of lower rates or pay off their home faster without resetting their financial progress.
Experience the Equity Partners USA Advantage
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Access to over a dozen loan programs to fit every borrower profile
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Solutions for self-employed, investors, and non-traditional income earners
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Dedicated support from application to closing—no guesswork, just clarity
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Competitive interest rates with low fees and flexible qualification terms
Speed, Clarity & Savings
Our team of refinance experts ensures the process is smooth and efficient. From document collection to closing, we handle the legwork and keep you informed every step of the way. Equity Partners USA makes it easy to take control of your mortgage and your mone
Why Choose Equity Partners USA
At Equity Partners USA, we’re more than just a mortgage company—we’re your dedicated financial partner. We understand that securing a home loan is one of the most important financial decisions you’ll make, and our mission is to make that experience as simple, transparent, and rewarding as possible. With a diverse range of loan programs, industry expertise, and a client-first approach, we provide personalized lending solutions that align with your goals.
We are known for
Personalized loan solutions tailored to each client’s financial profile
Exceptional service and hands-on guidance from start to finish
Fast, efficient processing with transparent communication
Flexible programs for self-employed, first-time buyers, and investors
"FAQs"
We offer a wide range of loan programs including Conventional, FHA, VA, USDA, Jumbo, DSCR, ITIN, Bank Statement, 1099, Profit & Loss, HELOC/HELOAN, and Fix & Flip loans. Whether you’re a first-time buyer, investor, or self-employed borrower, we have solutions tailored to your needs.
Our mortgage experts take the time to understand your financial goals, credit profile, and income situation. Based on that, we recommend the most suitable loan options and walk you through each step of the process with full transparency.
The required documents may vary by loan type, but generally include proof of income (W-2s, pay stubs, bank statements, or 1099s), tax returns, credit history, and identification. For self-employed borrowers, we may request business financials or a profit and loss statement.
Most of our loans close within 21 to 30 days, depending on the complexity of the file and how quickly we receive your documentation. We prioritize a smooth, timely closing and keep you informed throughout the entire process.
Yes! We specialize in helping self-employed borrowers and those with alternative income sources. We offer programs like Bank Statement Loans, 1099 Loans, and Profit & Loss qualifying options to make homeownership accessible—even without traditional pay stubs.
Built Around Your Goals, Backed by Expertise
At Equity Partners USA, we don’t believe in one-size-fits-all lending. Every loan we structure is thoughtfully crafted to match your goals, lifestyle, and financial strategy. Whether you’re buying your first home, growing your investment portfolio, or refinancing for better terms, our expert team is here to guide you with clarity, precision, and care.
