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REFINANCE YOUR HOME

Your home is your area. Keep it affordable when you qualify for our Affordable-Rate-Exterior-Appraisal (AREA) refinance program. It offers eligible homeowners a below-market interest rate and a nontraditional appraisal process. 

PROGRAM DETAILS

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HIGHLIGHTS

  • Competitive 10- to 30-year fixed-rate mortgage

  • Does not require Private Mortgage Insurance (PMI)

  • Does not require an independent home inspection

  • Home value determined by an exterior-only or an automated valuation model (AVM)

FOCUSED ON YOUR FINANCES

INHP wants each client to benefit financially from this program. Applicants will be required to complete a net tangible benefit (NTB) worksheet to document what changes will improve their financial situation.  

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What does it mean to refinance?

Read INHP's guide to refinancing to understand your options and learn how the process works.

MINIMUM ELIGIBILITY REQUIREMENTS

  • Reside in Marion County

  • Have history of on-time mortgage payments

  • Household income below 120% of Area Median Income (AMI)

  • Own the home and have lived in it as primary residence for at least 12 months

  • Have a minimum 580 credit score

Income and eligibility restrictions apply. Rates and terms are subject to change without notice.

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Even if you've been late on a mortgage payment, you may still qualify for INHP's AREA Refinancing.

READY TO BEGIN?

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GET STARTED

If you are interested in INHP's AREA Refinancing, click the button below and submit your information to get started. 

TAKE THE NEXT STEP

ADDITIONAL RESOURCES

INHP has helpful information, like a home maintenance schedule or advice on working with contractors.

VIEW OUR RESOURCE PAGE
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