# Refinance Loan Types

Source: https://www.gatewayfirst.com/mortgage/refinance/refinance-loans

There are many factors that go in to determining if now is the right time to refinance your mortgage loan. Learn more about refinance and let a Gateway Mortgage loan officer help answer any of your questions.

## Refinance Loan Types
### More solutions than meets the eye.
There are many reasons to refinance your current mortgage, and it might not be just to have a lower rate. Maybe it’s time to go from an adjustable rate to a fixed, or you are seeking cash to consolidate debt or do some renovations. Whatever the reason, Gateway Mortgage can help.
#### Cash Out Refinance
Provide flexible terms, offer great rates, and generally have a streamlined loan experience with less documentation and faster processing.
#### VA Interest Rate Reduction Refinancing Loan (IRRRL)
Is a quick and efficient method of refinancing an existing VA home loan.
#### RefiNow Fannie Mae and Refi Possible Freddie Mac
Expands refinance options for borrowers who have been unable to take advantage of the many benefits of refinancing.
### Helpful Resources
- [Homebuyer's Guide](https://downloads.ctfassets.net/67qif86ju9cg/4sw8jmk5NwMI2CiRo3yfn7/51bcb7decfcf6611580a8dbae1e86792/Homebuyer_Booklet_Final_03.25.21.pdf)
- [Our Blog](https://www.gatewayfirst.com/blog)
- [Loan Estimate 101](https://www.consumerfinance.gov/owning-a-home/loan-estimate/)
- [Closing Disclosure 101](https://www.consumerfinance.gov/owning-a-home/closing-disclosure/)
- [Calculators](https://www.gatewayfirst.com/calculators)
- [Documents Checklist](https://assets.ctfassets.net/67qif86ju9cg/6NryX4QvRaqFUPHwFmyt5D/d39643f18388137bd07152d286efef09/Loan_Docs_Needed_Checklist_FINAL_2.3.21.pdf)
- [Closing Checklist](https://assets.ctfassets.net/67qif86ju9cg/4u4XdL2TWAWhnmSzCtDdhr/c464a349d188abc6d5a86b6101745985/GatewayLoan.com-Assets_Closing-Checklist_2.3.21.pdf)
- [Benefits of Pre-qualification](https://www.gatewayfirst.com/blog/benefits-of-pre-qualification)
- [Find a Loan](https://www.gatewayfirst.com/personal/loans)
Published: 2025-10-14T15:59:09.025Z