Refinance Programs Built
for Every Scenario
Whether you're looking to reduce your rate, pull out equity, or restructure your debt, we have a program tailored to your goals.
Replace your existing loan with better terms — lower rate, shorter amortization, or both — without pulling cash out.
- Lower your monthly payment
- Shorten your loan term
- Move from adjustable to fixed rate
- Residential & commercial eligible
Leverage the equity in your property to access capital for renovations, investments, or business growth.
- Access up to 80% LTV
- No restrictions on fund use
- Single-family to multifamily
- Business purpose eligible
Short-term refinancing to bridge the gap between your current position and your long-term financing strategy.
- 12–36 month terms
- Close in as little as 10 days
- Interest-only options
- Value-add & stabilization play
A Streamlined Process,
Start to Close
We've eliminated the unnecessary friction from traditional refinancing. Our team guides you through every step with clarity and speed.
Complete our brief online application in under 10 minutes. No commitment required at this stage.
A dedicated loan officer reviews your file and delivers a customized term sheet within 24–48 hours.
Our in-house underwriting team processes your documents efficiently, typically within 5–7 business days.
Sign your closing documents and receive funds. Most refinance transactions close within 21 days of application.
Broad Eligibility Criteria Built for Real Investors
Nova Terra Capital works with a wide range of borrower profiles — from first-time property owners to seasoned portfolio investors — with flexible qualification standards.
- Minimum credit score of 620 for most programs; lower scores considered case-by-case
- Loan amounts from $150,000 to $25,000,000
- Residential, multifamily, mixed-use, and commercial properties
- No seasoning requirement on most cash-out programs
- Foreign nationals and self-employed borrowers welcome
- Entity borrowing (LLC, Corp, Trust) accepted on all programs
Indicative terms across all refinance programs.
Trusted by Investors Across the Country
Our clients come back because we deliver — straightforward terms, responsive communication, and deals that actually close.
Nova Terra moved faster than any lender I've worked with. I pulled $380K in equity from my multifamily portfolio and closed in 18 days. Exceptional execution from start to finish.
I was hesitant about refinancing my mixed-use property — my previous lender made it a nightmare. Nova Terra's team was professional, responsive, and structured a deal that actually worked for me.
Rate dropped by 1.4 points and my monthly payment went down $1,200. The team walked me through every step without jargon. I'll be refinancing my next two properties through them as well.