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Your Trusted Mortgage Partner for Home Loans and Refinancing
Newrez is a mortgage lending company dedicated to empowering homeownership through personalized solutions and innovative financial products. With a focus on customer-centric service, we offer a comprehensive range of mortgage options including purchase loans, refinancing, home equity loans, and HELOCs. Our team of experienced professionals guides clients through every step of the home financing process, leveraging industry-leading technology and flexible terms to meet diverse needs. We prioritize accessibility by providing simple pre-qualification tools, transparent pricing, and tailored support for first-time buyers, seasoned investors, and underserved communities.Committed to excellence, Newrez combines competitive rates with a promise of timely loan closures, backed by a $5,000 guarantee if we fail to meet closing deadlines. Our mission extends beyond transactionswe aim to build lasting relationships by understanding clients' unique goals and delivering reliable, ethical service that fosters long-term financial success.
Services
Purchase Loans
Refinance Options
Home Equity Loans
HELOC Programs
VA Loans
FHA Loans
Fixed-Rate Mortgages
Adjustable-Rate Mortgages
Cash-Out Refinance
Lock & Shop Program
Highlights and features
- We offer 4 million+ successfully funded home loans with a $5,000 on-time closing guarantee
- Our team provides personalized mortgage solutions for first-time buyers, investors, and military families
- We maintain industry-leading loan options with flexible terms and competitive rates
- Our digital tools enable seamless pre-qualification, application, and loan management processes
- We prioritize underserved communities with tailored homeownership programs
Associations and certifications
- NMLS
Services
Purchase Loans
Newrez offers comprehensive purchase loan programs for first-time buyers and experienced investors. Our options include fixed-rate mortgages for stable payments, adjustable-rate loans for initial affordability, and government-backed VA/FHA loans with flexible requirements. We provide $1,000 closing cost credits for eligible borrowers and maintain a streamlined digital application process. Our advisors help clients navigate pre-approval, contract negotiation, and closing with personalized guidance.
Refinance Options
Our refinance programs help homeowners reduce monthly payments, shorten loan terms, or access home equity. Cash-out refinance allows tapping equity at lower rates than personal loans, while rate-and-term refinancing secures better interest rates. The Lock & Shop program guarantees rate protection during home searches. We offer specialized refinancing for veterans and jumbo loan holders, with transparent fee disclosures and break-even analysis to determine long-term savings.
Home Equity Loans
Newrez home equity loans provide lump-sum funding while maintaining existing mortgage rates. Borrowers can access funds for home improvements, debt consolidation, or major expenses with fixed interest rates and predictable monthly payments. Loan amounts depend on credit score, debt-to-income ratio, and available equity. Our process allows existing customers seamless integration with current mortgages, while new clients receive dedicated support throughout the application and closing process.
HELOC Programs
Our HELOC programs offer revolving credit lines secured by home equity, ideal for ongoing expenses like renovations or education costs. Borrowers can access 75% of approved credit at closing with flexible draw periods and interest-only payment options. The program includes competitive variable rates, with minimum $50,000 limits and up to $350,000 maximums. We provide online account management tools for tracking balances and making payments.
VA Loans
Newrez specializes in VA loans for active-duty military and veterans, offering zero-down payment options and favorable terms. These government-backed loans feature competitive interest rates without private mortgage insurance requirements. Our team handles VA appraisal processes and certificate of eligibility verification, with dedicated support for service members transitioning to civilian homeownership through specialized financing programs.
Questions
What mortgage products does Newrez offer?
Newrez provides purchase loans, refinancing options, home equity loans, HELOCs, VA loans, FHA loans, fixed-rate mortgages, and adjustable-rate mortgages tailored to various homeowner needs.
How can I get pre-approved for a mortgage?
Complete our online pre-approval process to receive a conditional approval letter verifying your eligibility based on financial information and credit assessment.
What is the Lock & Shop program?
Our Lock & Shop program lets you secure a favorable interest rate for 45 days while house hunting, with a no-cost relock option if rates drop during that period.
Do you offer special programs for first-time homebuyers?
Yes, we provide first-time buyer education resources, down payment assistance guidance, and specialized loan programs with flexible qualification requirements.
What home equity options are available?
Newrez offers home equity loans with fixed rates and HELOCs with revolving credit access, allowing homeowners to leverage equity for renovations, debt consolidation, or major expenses.
How does Newrez support customers during natural disasters?
We provide disaster relief options including payment deferrals, fee waivers, and modified repayment plans for customers impacted by hurricanes, floods, or other emergencies.
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