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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 550 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. 

ADDITIONAL RESOURCES

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

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