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  ACCESSbank Mortgage Refinance
ACCESSbank Mortgage Refinance
in Mortgage Refinance from ACCESSbank · NMLS ID #456056
Unaffiliated

ACCESSbank Mortgage Refinance

Unaffiliated
in Mortgage Refinance from ACCESSbank · NMLS ID #456056
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Highlights
Loan Amount Up to $3,000,000
Loan Term (Years) 15 - 30 years

ACCESSbank Mortgage Refinance Review

ACCESSbank Mortgage Refinance is offered by ACCESSbank (NMLS #456056), a bank founded in 1974 and based in Omaha, NE. ACCESSbank Mortgage Refinance is available in 50 states (and Washington, DC).

Key Takeaways
  • 3 different mortgage programs offered. ACCESSbank Mortgage Refinance refinances FHA, USDA, VA, conforming, and conventional mortgages.
  • Specializes in multi-family properties. Only offers mortgages for multi-family properties, but not for single-family homes or manufactured homes.
  • Non-standard interest rates available. ACCESSbank Mortgage Refinance offers hybrid mortgages, and fixed-rate mortgages.
  • Primary and secondary homes considered. Investment homes, such as rental properties, do not qualify for refinancing. However, ACCESSbank Mortgage Refinance does offer refinancing for primary and secondary homes (e.g. vacation properties).
  • Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.
ACCESSbank Mortgage Refinance Pros & Cons
Pros Cons
  • Available in all 50 states.
  • Charges an origination fee.
  • Charges prepayment fees.
ACCESSbank Mortgage Refinance FAQ

What is the maximum loan term for a mortgage refinance via ACCESSbank Mortgage Refinance?

The term of a mortgage refinance will impact the cost of your monthly payments. Longer terms will typically reduce your monthly payments but it will also increase the interest you pay. ACCESSbank Mortgage Refinance offers mortgage refinancing with terms ranging from 15 to 30 years.

How long does ACCESSbank Mortgage Refinance take to refinance?

ACCESSbank Mortgage Refinance does not provide details on the average time to close a refinance. However, it typically takes 30 to 45 days to complete a refinance. Of course, a lot depends on the market, the lender, and how long appraisals and inspections take.

Does ACCESSbank Mortgage Refinance charge a mortgage origination fee?

Yes, ACCESSbank Mortgage Refinance will charge a loan origination fee.

What mortgage programs does ACCESSbank Mortgage Refinance offer?

ACCESSbank Mortgage Refinance offers the following mortgage types:

  • Conventional mortgages: This includes any mortgage that is not insured or guaranteed by the federal government.
  • FHA: Mortgages insured by the FHA, which usually have less stringent eligibility requirements, but borrowers must pay a mortgage insurance premium. Co-applicants are allowed and you can qualify for a down payment as low as 3%.
  • USDA: A zero down payment mortgage loan with low rates for suburban and rural homebuyers.
  • VA: A zero down payment mortgage or a refinance of up to 120% of the home's value for American military members, veterans, and their spouses.

What property usage types does ACCESSbank Mortgage Refinance allow?

Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. ACCESSbank Mortgage Refinance allows the following property usage types: 

  • Primary home
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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Intended Use
  • Investment
  • Primary Home
Loan Term 15 - 30 years
Loan Amount Up to $3,000,000
Interest Rate Types Offered
  • Hybrid Mortgage
Mortgage Programs
  • FHA
  • USDA
  • VA
Terms 15, 30 years

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