This type of refinance would be used to lower your interest rate, lower your loan term or both. It may also be used to convert a loan with mortgage insurance into a loan with no mortgage insurance (Example - refinance an FHA loan to a Conventional loan without mortgage insurance).
You can refinance most any type of loan.
VA, FHA and USDA offer streamline type loans that allow you to refinance regardless of the property value.
A cash-out refinance allows you to pull equity out of your home. The money can be used for many things.
This refinance allows you to pull equity from your home as a lump sum. You are still required to qualify for the loan and you will incur closing costs. An appraisal will need to be ordered by the lender to determine property value. The amount you will be allowed to borrower against your home will be based on the loan type and use of the property.
Speak with Kim to see if this loan is ideal for your situation.
The HARP loan allows you to refinance your conventional loan under the following conditions:
You can go to the following links to see if your home may qualify.
255 W Esperanza Blvd 
Green Valley, AZ 85614
(520) 625-9493
kdemarco@sunstreetmortgage.com
Licensing Info
Kim DeMarco | NMLS 410006
Chris Anderson NMLS 1462388
Branch NMLS 927832 AZ Bank 0907366
Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act (4131285)