Jonathan Davis

Jonathan Davis is a Florida-based writer with over a decade of experience helping consumers understand complex mortgage, real estate, and personal finance topics. Jonathan has previously worked in the real estate industry and holds a bachelor’s degree in finance from the University of Central Florida.

Home on a rural road surrounded by open fields

USDA Streamline Refinance: Guidelines & Eligibility for 2024

Have interest rates dropped since you took out your USDA mortgage? If so, you can likely refinance and reduce your […]

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Woman at laptop looking at mortgage rates

Are Refinance Rates the Same as Mortgage Rates?

Here are today’s 30-year fixed mortgage (purchase) and refinance rates. See the difference? Why are mortgage and refinance rates different, […]

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Contractor working on drywall inside home

How To Refinance With a Mechanic’s Lien

Having a mechanic’s lien on your home can be stressful. You won’t be able to sell while it’s attached to […]

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A couple discusses home renovation refinance options with a contractor in a partially renovated house.

Considering Selling? Get a Home Renovation Refinance Instead

If you’re thinking about selling your home, you might want to reconsider. You could be about to throw away 10% […]

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A smiling couple reviews documents with a financial advisor, converting their construction loan to a conventional loan.

Refinancing a Construction Loan Into a Permanent Mortgage

Construction loans are a practical source of funding when you’re building a new home. However, these loans often have short […]

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Young couple sitting with loan officer to go over details of a mortgage refinance

How Much Equity Do You Need to Refinance Your Mortgage?

Refinancing your mortgage can lower your payments and free up space in your monthly budget. But if you don’t have […]

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Home mortgage refinance document

Is a Refinance Considered a New Loan?

Have interest rates dropped since you took out your mortgage? If so, refinancing may let you lower your monthly payments. […]

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How to Refinance Without Resetting the 30-Year Clock

Refinancing your home loan can be a great way to reduce your monthly payments when interest rates drop. But if […]

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A couple reviews documents to refinance their mortgage with a broker in an office.

Can I Refinance My Down Payment Assistance Mortgage?

If you used down payment assistance to buy a house, it could make refinancing later difficult. How to know if you’re eligible.

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A hand holding a key to a home and a post-it note that says "Hard Money Loan"

Refinancing a Hard Money Loan to Conventional: Requirements, Waiting Periods, and Tips

A hard money loan is meant to be a short-term funding source that needs to be repaid much sooner than […]

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A house and a bag of money balancing on opposite ends of a scale.

How to Get a Cash-Out Refinance on an Investment Property

A cash-out refinance can be a great way to access the built-up equity in your investment property. However, doing so […]

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Young couple analyzing paperwork during a meeting with a bank manager in an office.

Refinancing From a 15-Year to a 30-Year Mortgage

Buyers often opt for a 15-year mortgage to build equity faster and own their homes sooner. However, a 15-year term […]

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A young businessman making financial calculations in his office

10 Year Fixed Refinance Mortgage: What You Need to Know

Most homeowners choose to pay off their mortgage over 30 years. But sometimes, especially when refinancing an existing loan, borrowers […]

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"Note reading 'cash-out refinance' on a stack of hundred-dollar bills."

FHA Cash-Out Refinance: What You Need to Know in 2024

The Federal Housing Administration (FHA) offers an assortment of mortgage options aimed at borrowers who may have trouble qualifying with […]

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A young woman looks over a list of FHA refinance lenders.

The 10 Biggest FHA Refinance Lenders

FHA loans aren’t just for purchasing a home – the government-backed program can also be used to refinance your existing […]

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