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I have been asked a lot of questions lately about the current mortgage market.  I have seen a lot of fear in the news and social media.  Refined Lending is a mortgage bank with a solid foundation to support our buyers and agents while we all work during the COVID-19 crisis.  At this time I wanted to personally reach out and answer some of the most common questions.

I want to highlight a few ways Refined Lending is different from other lending institutions:

  • “No Touch” application process at / Easy document upload in the safety of your home.
  • Approximately 50% of applications receive property inspection waivers ( appraisal waivers) / Clients can request an exterior only appraisal if desired on Conventional Loans.
  • Special COVID-19 appraisal process for those homes that do require interior appraisal
  • 30-45 day turn time remains in place for all purchase transactions – Purchase first!
  • Still offering ALL government backed loans ( FHA, VA, USDA) down to a 620 FICO score.
  • Portfolio Loan Options – Jumbo
  • No Touch closing options
  • Offering Competitive MARKET based rates
  • Still offering ALL  down payment programs

In short we are able to offer clients a truly ” Hands Free” Mortgage option. If you have any questions or concerns please don’t hesitate to reach out. My entire team is available and to assist.
We wish you all good health and wellness during this time.

For more details on the COVID-19 virus please visit the CDC ( Center for Disease Control) website:   CDC Website

Thank you,

Nathan Raich

Regional Manager

NMLS 224046


All rates and programs subject to change at anytime without notice. This is not a commitment to lend. Information is accurate as of March 30, 2020 9:30 PM.


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