You served the country. Your equity should serve you.

Is this for your primary residence?*

Cash-out requires owner occupancy — an IRRRL works on a former primary you now rent out

What loan type are you interested in?*

What is the property address?*

Depending on location we may have specific programs

This field is required.

What's the purchase price or refinance amount?

Loans from $75,000 up to $20,000,000 — HELOCs from $50,000

Please enter an amount between $75,000 and $20,000,000.

Are you purchasing or refinancing?*

How is your credit?*

Minimums vary by program

Is the property occupied or vacant?*

When did you last refinance — or take out your current mortgage?*

Almost done — who should we prepare your options for?*

Legal first and last name of the primary borrower. Your identity is protected — no spam.

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Where should we send your options?*

We'll email your scenario and next steps — never sold, no spam.

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Last one — best number for your loan specialist?*

A real person from our Irvine office — no call centers. Your number is protected, no spam.

Notice: By providing your name and contact information you are expressly consenting to receive communications from Cap Rate Funding, Cap Rate Funding agents, or affiliated partners which may include phone calls (including to any wireless number that you provide) including automatic telephone dialing systems or by artificial/pre-recorded messages, text message and/or emails for the purpose of marketing Mortgage products and services. By providing your information, you understand that your consent is not a condition of the purchase of any product or services, and carrier messaging and data rates may apply. You may revoke this consent at any time by calling us at 949-738-9770 or by emailing us at chase@capratefunding.net to be placed on our do-not-call list. By clicking Submit: I Consent to Receive SMS Notification, Alerts & Occasional Marketing Communication from Cap Rate Funding. Message frequency varies. Message & data rates may apply. Text HELP to 949-738-9770 for assistance. You can reply STOP to unsubscribe at any time.

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Any late mortgage payments recently?

VA refinances look for 12 months of on-time mortgage payments.

Almost — the 12-month rule.

VA guidelines generally require 12 months of on-time mortgage payments before a refinance. Once you're past that mark from your last late payment — or if there were extenuating circumstances — we'd love to take another look. Some scenarios can still work today, so it's worth a quick call. Doing an IRRRL instead? Rate-reduction refis (no cash-out) can proceed — go back and choose IRRRL.

What kind of VA refinance?

An IRRRL (Interest Rate Reduction Refinance Loan) lowers your rate with no cash-out — and no appraisal, income docs, or minimum FICO.

On a rental, VA only allows the IRRRL.

VA cash-out refinances and purchases require owner occupancy — but an IRRRL (rate reduction, no cash-out) works on a former primary residence you now rent out. Want cash out of a rental instead? Our DSCR cash-out qualifies on the rent with no title seasoning.

Do you receive VA disability compensation?

This helps us apply every benefit you've earned.

Congrats — we're waiving your funding fee.

Because you receive VA disability compensation, the VA waives the funding fee on your loan — typically thousands of dollars that stays in your pocket. You earned this one.

What's the purchase price?*

Your best estimate is fine — we'll tailor the loan to it

Please enter a purchase price of at least $50,000.

Last one — how do you earn, and what's your annual income?*

Annual income (before taxes)

Please choose W-2, self-employed, or retired — and enter your annual income.

What is the existing balance on your property?*

Include all liens — first, second, HELOC. Enter 0 if it's paid off.

Please enter your total mortgage balance (0 if paid off).