Interest rates for refinancing mortgages in banks. What to look for when deciding to refinance a mortgage loan
Mortgage refinancing gaining popularity among borrowers. We will figure out what is the benefit of this procedure, how it can be implemented and what obstacles will have to be faced.
What is refinancing and why is it needed?
A common name in banking circles for refinancing is refinancing. This procedure is the receipt of a new loan in order to repay the original. If we are talking about a mortgage loan, then, in the case of its refinancing, the right to pledge real estate is necessarily in one way or another obtained from the bank that refinanced it.
Refinancing is not a "re-loan" when there is not enough money to pay off the loan. The most important thing in it is to benefit from changing the lender-bank. The benefit can be obtained, for example, by reducing the interest rate. Recently, there has been a clear downward trend in the mortgage market in general. Therefore, mortgage loans taken a few years ago look too expensive compared to today's offers from banks.
Even in the process of refinancing, you can change the currency in which the loan was issued. For example, switch from a ruble loan to a dollar one or vice versa.
Refinancing is possible in the same bank that issued the original loan or in another credit institution.
When is refinancing beneficial?
Financial analysts advise thinking about a few things when planning on-lending a mortgage.
First of all, the difference in the interest rate between the current and the bank loan agreement planned for conclusion should be at least 2%. This is quite realistic, given the high mortgage rates during the crisis or before 2006.
Secondly, it is necessary to re-read the current mortgage loan agreement and payment schedule. The contract should not contain a prohibition on early repayment and penalties for this. As for the payment schedule, interest is usually repaid first, and then the amount borrowed from the bank itself. Thus, if the loan has been paid off for many years, refinancing does not make sense: after all, the interest on which you could save has already been paid.
Finally, if refinancing is planned in another bank, it is worth calculating the costs of its registration. They may include a commission from a bank and a mortgage broker for processing a loan, insurance of real estate transferred to a mortgage, as well as the life and health of the borrower. If the appraisal company that prepared the report on the appraisal of the subject of mortgage (mortgaged house or apartment) is not accredited by the bank that issues the on-lending, then the appraisal will have to be carried out again. Compare whether these expenses will exceed the benefit of lowering the interest rate.
What is required for refinancing?
The main condition for refinancing is the consent of the bank that gave the original loan and has the right to pledge the property. Of course, the mortgage bank is not eager to release a client who regularly pays a mortgage into the tenacious hands of competitors.
As ways to achieve refinancing, if the bank “does not let you go”, you can offer refinancing under a suspensive condition (we will consider what it is later) or use the refinancing programs of the pledgee bank itself. Sometimes the bank's obligation to go for refinancing at the request of the client is directly provided for by the agreement and local regulations.
An important condition for refinancing is a positive credit history of the borrower in general and in relation to the refinanced loan in particular. In addition, banks offering mortgage refinancing programs usually have their own lists of credit institutions whose obligations they can refinance. If your bank is not included in this list, then you will most likely be refused.
Finally, when considering an application for refinancing a loan, the bank assesses the liquidity of real estate, which is destined to become the subject of collateral. For example, it is more likely that you will not be refused if an apartment in the city center is offered for a mortgage, and not a land plot for the construction of a summer house.
Ways to apply for a loan
The most important points when applying for a mortgage refinancing are:
Don't know your rights?
- when the funds will be received to repay the first loan;
- how to remove the mortgage on the first loan in order to transfer real estate secured on the second loan.
Prepayment of the first loan
In this case, you need to get a second loan secured by some other real estate. And, without entering into long discussions with the first creditor bank, repay the loan ahead of schedule.
The pros and cons of this method are obvious. The advantage is that its application is limited only by the presence in the contract of a clause prohibiting early repayment of the loan. Neither the refusal of the first bank to refinance, nor problems with collateral will interfere. The downside is that you need to have real estate for collateral under the second contract.
Transfer of mortgage between banks
This is refinancing in its purest form. It is necessary to agree on the procedure with both banks. If a mortgage was made during the initial mortgage, this simplifies the process of transferring real estate secured by another bank.
Mortgage - a document certifying the right to pledge real estate and containing all the main terms of the contract under which it was received. The mortgage is a registered security. Therefore, in the case of refinancing, it is enough for the bank that issued the first loan to make an endorsement on the mortgage, indicating the exact name of the bank providing refinancing.
Thus, if representatives of three parties (both banks and the borrower) sign documents at the same time, then banks do not risk anything: the first bank receives money to repay the loan, the second - a new client-borrower and the right to pledge his property.
Of course, such a convenient scheme will be one of the attractive features of the new deal for the bank when you apply for loan refinancing. Accordingly, your chances of making a deal will increase.
Subsequent mortgage
Mortgage law allows what is known as a "subsequent lien". He assumes that, already once mortgaged property is mortgaged again. In the event that creditors want to turn the claim on the subject of pledge, the debt of the previous and then subsequent pledgees is paid off first.
Needless to say, this option is less attractive for banks involved in on-lending? After all, after paying off the debt on the first loan, they, subsequent mortgagees, may not get anything.
The advantage of the subsequent pledge of real estate for the borrower is that if the bank agrees to refinance on such terms, then the consent of the original borrower will not be required - only his notification. In addition, there is no need to terminate the first loan agreement in advance: it will terminate from the moment the loan is paid with the money received as a result of refinancing.
Obtaining a loan with a suspensive condition
In this case, the refinancing bank goes towards the client. The on-lending agreement is concluded on the condition that the borrower will provide mortgage security within the period specified by the time period or calendar date. For example, Sberbank gives 120 days to apply for a mortgage.
Having received the money for refinancing, the borrower pays the first loan within the above period, which frees the mortgage property from encumbrance with the pledge of the first bank. And then draws up a pledge (mortgage) for this property under an on-lending agreement with a second bank.
What are the conditions for refinancing?
There are no strict rules and restrictions for refinancing. Today, banks do not have many customers in the mortgage market. Therefore, credit organizations seek to offer special conditions, occupy their niche - and lure borrowers from competitors. There are a variety of offers: on-lending with a maximum term of 3 years or 50 years; with a minimum amount of 15 or 600 thousand rubles; with an interest rate of 15 or 11.7% per annum.
There are refinancing programs in such reputable banks as Sberbank, VTB 24, Gazprombank.
Thus, today refinancing is a fairly common service that allows you to seriously save on mortgage payments. However, the use of refinancing requires precise calculation and attention to detail on the part of the borrower.
| Loan currency | Russian rubles | |
| Minimum loan amount | from 300 000 rubles | |
| Maximum loan amount | Must not exceed the smaller of: 80% of the value of the property indicated in the appraisal report Maximum amounts for various loan purposes:
|
|
| Credit term | from 1 year to 30 years | |
| Commission for issuing a loan | is absent | |
| Refinanced loans | With one loan "Refinancing secured by real estate" you can refinance:
Up to five different loans:
Mortgage loan refinancing is mandatory for obtaining a loan under the “Refinancing secured by real estate” product. |
|
| Commission for issuing a loan | is absent | |
| Loan security | Pledge of the property:
If the property is purchased with a refinanced mortgage, it may be encumbered with a mortgage in favor of the primary lender. This encumbrance is removed after the refinancing of the mortgage loan is repaid, after which the property is pledged to the Bank. If the funds of a refinanced mortgage loan were not used when acquiring a real estate object, then such an object must be free from encumbrance with the rights of third parties / be under arrest (prohibition). |
|
| Insurance | Voluntary life and health insurance of the borrower in accordance with the requirements of the Bank. |
| Age at the time of the loan | at least 21 years old |
| Age at the time of repayment of the loan under the agreement | |
| Work experience | at least 6 months at the current place of work and at least 1 year of total experience for the last 5 years** |
| Attracting co-borrowers | The Borrower/Title Co-Borrower must be a borrower/one of the co-borrowers of Refinanced Home Loan Refinancing Loans (only if he is the spouse of the Refinanced Home Loan Borrower). If there are conditions in the loan documents for a refinanced housing loan, according to which all actions related to its execution, receipt, maintenance are assigned to a specific co-borrower, this individual must act as the Borrower/Title Co-borrower. The requirements for the Co-Borrower(s) are similar to those for the Borrower. The spouse of the Title Co-borrower is not included in the Co-borrowers only in the following cases:
|
| Citizenship | the Russian Federation |
The spouse of the title co-borrower is a co-borrower without fail, regardless of his/her solvency and age***.
* The loan repayment period fully falls on the working or retirement age of the borrower / each of the solvent co-borrowers.
** This requirement does not apply to clients receiving salaries to an account with Sberbank.
*** Except in cases where there is a valid marriage contract.
To consider a loan application, you need:
- Passport of the borrower/co-borrower with a registration mark;
- A document confirming registration at the place of stay (if there is a temporary registration);
- Documents confirming the financial condition and employment of the borrower/co-borrower/guarantor
- loan agreement number
- amount and currency of the loan
- interest rate
- monthly paymentThis information must be confirmed by submitting any of the following documents to the bank: a loan agreement, a payment schedule, a notice of the full cost of the loan, a document confirming the change in the details of the Primary Lender.
- For each refinanced loan, information must be provided:
- loan agreement number
- date of conclusion of the loan agreement
- validity period of the loan agreement and/or loan repayment period
- amount and currency of the loan
- interest rate
- monthly payment
- payment details of the Primary Lender (including account details for repayment of the Refinanced Loan)To confirm the specified information, it is necessary to provide the bank with any other document: a loan agreement, a payment schedule, a notice of the full cost of the loan, a certificate / statement on the balance of the debt confirming the change in the details of the primary creditor.
The Bank reserves the right, during the consideration of the loan application, to additionally request from the client information about the refinanced loan:
- on the balance of the loan debt on the Refinanced Loan with accrued interest
- on the presence/absence of current arrears and arrears during the last 12 months
Such information must be confirmed by a document from the creditor bank for the refinanced loan (certificate, extract or other document). The information must be current as of the date of submission to Sberbank.
About details for repayment of refinanced loans:
Payment details, which will be used to send the amount to repay the loan in another bank, must be provided when submitting to the bank primary package of documents. If these details will change during the period between the submission of the application and the issuance of a loan by the Bank, the loan will not be issued and the loan application will need to be submitted again with new details.
If refinanced the loan was transferred/sold to another bank(another organization: e.g. in AHML), then when applying it is necessary to provide the Bank with a document confirming the change in the details for repaying the refinanced loan.
Documents that can be provided after the approval of the loan application:
- Documents on the provided collateral (may be provided within 90 calendar days from the date of the Bank's decision to issue a loan)
If you partially repaid a refinanced housing loan with maternity (family) capital or maternity capital was used to purchase real estate pledged to the Bank, you need to obtain consent from the guardianship and guardianship authorities to pledge real estate (based on paragraph 3 of article 6 of the Federal Law -102 "On mortgage (mortgage of real estate)".
The loan is provided to citizens of the Russian Federation in the branches of Sberbank of Russia:
- at the place of registration of the borrower and co-borrower;
- at the place of accreditation of the company-employer of the borrower/co-borrower;
Loan application processing time
No more than 8 business days.
The procedure for granting a loan
At the same time.
Loan repayment procedure
Monthly annuity (equal) payments.
Partial or full early repayment of the loan
It is carried out according to an application containing the date of early repayment, the amount and the account from which the funds will be transferred. The date of early repayment indicated in the application must fall exclusively on a working day.
The minimum amount of early repayment of the loan is unlimited.
There is no fee for early redemption.
Penalty for late loan repayment
Penalty* for late repayment of the loan corresponds to the key rate of the Bank of Russia, effective on the date of conclusion of the Agreement, from the amount of overdue payment for the period of delay from the date following the date of the obligation fulfillment, established by the Agreement, to the date of repayment of the Overdue Debt under the Agreement (inclusive).
*Under loan agreements concluded from 24.07.2016 to
Take advantage of real estate insurance programs (within the framework of a mortgage), as well as the life and health of the borrower at IC Sberbank Insurance LLC and IC Sberbank Life Insurance LLC - 100% subsidiaries of Sberbank PJSC:
- Simple, convenient and fast design. For example, when renewing an insurance contract, you do not need to transfer a copy of it to Sberbank yourself, the documents are sent automatically
- The possibility of resolving the issue online: from signing an insurance contract to settling losses in an insured event
- The terms and conditions of the insurance programs comply with the Requirements for the Terms and Conditions for the Provision of Insurance Services under Sberbank Loan Products 1
- Insurance tariff / cost of insurance when prolonging the insurance contract for the second and subsequent years is 10% lower
- In the event of an insured event, you can contact any branch of Sberbank, regardless of where the contract was drawn up
- You can issue a policy in a few minutes on the DomClick website, on the website of insurance companies - LLC IC Sberbank Insurance and LLC IC Sberbank Life Insurance, or at any branch of Sberbank.
Life and health insurance under the Protected Borrower program 2
What is included in the program?
Insurance is carried out in case of:
- Death of the Insured Person
- Establishing a disability or group for the Insured Person
What are you getting?
- Reduction of the Sberbank mortgage rate to the established level under the "protected loan" condition;
- The insurance tariff is determined individually depending on the gender and age of the client.
website.
Mortgage insurance 3
What is included in the program?
Insurance of the pledged property (except for the land plot) against the risks of death, damage.
Additional benefits:
- 1 month of validity of the insurance contract additionally when issued at Sberbank branches
Detailed terms and conditions of insurance can be found on the website.
1 Mandatory requirements of the Bank to insurance companies and conditions for the provision of property insurance services
2 The insurance service is provided by IC Sberbank Life Insurance LLC. The license to carry out life insurance insurance No. 3692 (type of activity - voluntary life insurance) was issued by the Bank of Russia for an indefinite period. PSRN 1037700051146, www.sberbank-insurance.ru Address: Moscow, st. Shabolovka, 31G. Office hours: Monday - Friday from 08.00 to 20.00 Moscow time
3 Real estate (mortgage) insurance. The insurance service is provided by IC Sberbank Insurance LLC. License of the Bank of Russia to carry out voluntary property insurance SI No. 4331, issued on 08/05/2015 for an indefinite period. PSRN 1147746683479, www.sberbankins.ru Address: 115093, Moscow, st. Pavlovskaya, house 7, tel. 8 800 555 555 7, Working hours Monday-Friday from 9:00 to 19:00 Moscow time.
Now many banks offer to refinance a loan for housing. The new service is becoming more and more popular with borrowers. Their target client is a person who took a high-interest mortgage during the crisis years of 2014-2015. At that time, the rates were very high, about 16-20%. In 2017, after reducing the refinancing rate to 9%, banking organizations significantly reduced the cost of mortgage loans.
In July, we analyzed mortgage refinancing proposals. We share the most interesting ones below.
Who can apply for refinancing?
It must be understood that when applying, banks re-evaluate the solvency of the client. Those. if the borrower's salary has decreased, or he quit (he went on maternity leave), then most likely he will be refused.
Important! A prerequisite for refinancing in most banks is that the apartment must be owned. If the house is still under construction and the borrower has only an equity participation agreement (DDU), then he will be refused almost everywhere.
Requirements for "re-borrowers"
All banks have a number of standard requirements, non-compliance with which will either lead to an increase in the annual rate or to a refusal:
- Age from 18 to 50 years.
- The presence of official work and certificate 2-NDFL. A certificate in the form of a bank or an application from an individual entrepreneur will increase the annual percentage.
- Ownership of mortgaged property. The DDU agreement can be accepted only in a few banks.
- The presence of a co-borrower. An optional wish, but in the case of a low official salary, it will become decisive.
- No late payments in the last 12 months.
Best mortgage refinancing rates
| № | Bank | % on refinancing | Peculiarities |
|---|---|---|---|
| 1 | Bank opening" | 10% | Real estate and health insurance, certificate 2-NDFL |
| 2 | Gazprombank | 10,25% | Real estate and health insurance |
| 3 | BinBank | 10,5% | The initial deposit rate is 50%. Possible by DDU |
| 4 | RosEvroBank | 9,25% | Commission 4% |
| 5 | DeltaCredit | 9,5% | Commission 4% |
| 6 | Sberbank | 10,9% | Life and health insurance. Help 2-NDFL |
| 7 | VTB 24 | 11% | Life and health insurance. certificate 2-NDFL |
| 8 | Absolut Bank | 10% | When paying a commission of 2% of the loan. 10.5% no commission |
| 9 | Rosbank | 9,5% | Commission 4%. No commission — 11% |
| 10 | Tinkoff | 9% | Intermediary. deals with the selection of mortgages in other banks |
- RosEvroBank offers one of the lowest rates - only 9.25%. However, to receive such interest, you need to pay the bank a commission of 4% of the loan amount. These conditions are not suitable for everyone. A similar offer from DeltaCredit and Rosbank banks is 9.5% per annum with a commission of 4%.
- Quite simple conditions for VTB24 bank. The organization offers to refinance mortgages at 11% (10.7% for payroll clients). The maximum commission can be 1500 rubles. for transferring funds to another bank.
- Until the end of 2017, Gazprombank has a 10.25% promotion for refinancing housing loans. The conditions are quite normal - you need to insure both the apartment and yourself against accidents and death.
- In Binbank, you can refinance at 10.5% if the loan is less than half of the value of the property.
- Otkritie Bank offers to refinance mortgages at 10%. Here it is also necessary to insure both mortgaged property and your life.
In Sberbank and VTB, as usual, conservative conditions, without "draconian" commissions with low annual rates. The largest bank in the country has just launched this service.
Underwater rocks
- When receiving a loan to refinance a mortgage, the borrower will not be able to issue a property tax deduction provided for in Art. 220 of the Tax Code of the Russian Federation. Thus, you can lose 260,000 and 360,000 rubles of deductions for the first housing and for bank interest.
- Inevitable additional costs for paperwork (including a notary), fees for interbank transfers and registration of a new mortgage loan.
For those who are going to reduce payments on a housing loan, experts recommend not to rush: in the fall, bankers expect a reduction in the key rate of the Central Bank (now it is 9%), and mortgages will fall in price after it.
Since the situation in the financial market is not the best, many banks are incurring losses and increasing the interest on housing loans, mortgage borrowers are interested in the question of whether it is possible to refinance at a lower interest rate in 2017, how to do this, in which banks?
If you choose the right option for taking a loan now, then in the future it will turn out to be a good idea to save money compared to other borrowers.
The mortgage on-lending program in 2017 assumes that most banks will offer favorable conditions for the purchase of real estate in new buildings, old buildings and in the secondary housing market.
The main advantages of on-lending in 2017 are the reduction of the monthly payment and overpayment, the minimum loan repayment time and the low interest rate.
On-lending (refinancing) in 2017 suggests that Russian banks will do so under the following conditions:
- More than three months remain until the loan is repaid;
- The user makes payments regularly, without delay, especially in recent months;
- There are no debts and delays in repayment of the loan.
The main catch concerns the situation when the client wants to take out a mortgage on-lending from the same bank or subsidiaries that previously issued the first loan, because most borrowers are refused.
Bank conditions
Speaking about the conditions of Russian banks for refinancing mortgages in 2017, they will not change, but will be supplemented. Therefore, the age for loan users remains the same, that is - 21-65 years.
But only those who have a good credit history can count on a positive answer(regularly repays the debt, does not miss the time for making payments, repays interest in full), which is checked before permission.
Also proof of employment and proof of income required.
The bank needs to provide certificates in the form of 2-NDFL and in the form of the bank confirming the income of the borrower
In 2017, on-lending of mortgages for new buildings, finished real estate, houses, land and plots for building a house is allowed.
With regards to collateral, banks for reinsurance will ask for an equity participation agreement or documents for the construction site itself. It will remain in the bank until the ownership is registered.
Favorable interest on a loan in 2017 will be offered by banks with state financing, namely:
- Sberbank,
- Rosselkhozbank,
- Raiffeisenbank,
- VTB and a number of others.
Then each bank offers several programs for on-lending in 2017, which involve a minimum rate and, loan term up to 25 years.
But you need to remember that the amount of the mortgage depends on the income of the borrower and the duration of the loan, so the maximum amount is 8 million rubles, and the minimum is 300 thousand rubles.
Related video:
Requirements for borrowers
Requirements for borrowers when refinancing mortgages in 2017:
- Participation of young families, civil servants;
- The need to insure your life;
- Raising the rate by 1%;
- Lending for up to 25-30 years;
- Down payment of 15% of the total mortgage amount;
- Attracting subsidies and maternity capital;
- Home or loan object insurance.
It must be understood that each bank offers its own conditions, requirements and programs designed for several categories of citizens, although Sberbank and Raiffeisenbank are considered the most profitable.
Mortgage loan scheme
If you decide to refinance a mortgage in 2017 through another bank, then you must proceed as follows:
- The borrower applies to the new bank to refinance the mortgage in the old bank, and then the first repays the required amount;
- The new loan amount may be more than what is needed to pay off the mortgage, and these funds are used at the discretion of the client;
- With a secured loan, the agreement must be re-registered for a new bank, but then the percentage will be higher, since the loan is unsecured;
- When refinancing in the same bank, the pledge does not need to be reissued, and the amount of interest is reduced.
That is why it is advised to contact your bank to use the 2017 program to reduce interest, loan term and monthly payments.
If the contract contained a ban on early repayment, then mortgage refinancing in 2017 will not work. A negative response awaits those whose financial situation has worsened since the first loan.
Refinancing is used both in consumer lending and in mortgage programs. The service is widely used in Western countries, while in Russia on-lending has become widespread only in the last ten years. What is the essence of this banking product and how to arrange it?
The essence of refinancing
Refinancing a mortgage in another bank means entering into a new agreement in order to repay an existing loan on more acceptable terms. For example, a few years ago, the minimum mortgage rate was at the level of 16-17%. Usually, when new customers apply, banks issue standard loans, as well as individually set an overestimated percentage in order to cover the risks of possible non-payment. Because of this, the minimum rate appears only in advertising brochures, and the population receives money for housing at 18-22% per annum.
In addition to interest, banks oblige borrowers to purchase insurance services. Sometimes this requirement applies only to collateral (this is compulsory insurance according to the legislation of the Russian Federation), but it happens that banks impose life insurance or loss of solvency. Mortgage, taking into account additional services, is becoming an expensive pleasure for bank customers. Today, the value of the interest rate on mortgage agreements is much lower and is at least 12-13% per year. In addition, in many banks, life insurance has become an optional condition for obtaining a loan. Which already saves money by 1-2% annually.
Mortgage refinancing also occurs at 12-13% per annum. Credit analysts recommend drawing up a new contract only if the difference between the new rate and the current one is more than 3%. This is due to the fact that when obtaining a mortgage, borrowers incur additional costs in the amount of 2-3% for assessing the property and entering it into the register of mortgaged real estate.
Refinancing the mortgages of other banks is a solution to problems both for the population and for banking institutions. Borrowers reduce costs, and banks get bona fide customers, thereby reducing the risk of non-payment.
Please note that the concepts of refinancing and restructuring should not be confused. The latter is carried out by the bank that has opened a loan, and includes measures: extension of the term, write-off of part of the interest, currency transfer, rate reduction. During debt restructuring, the client signs an additional agreement to the existing agreement, and refinancing involves drawing up a new agreement.
mortgage refinancing process
As with any loans, before applying, you need to make sure that the bank's criteria for clients are met. The most common requirements for borrowers:
- The age range is 23-65 years, less often you can meet the boundaries of 21-70 years.
- Permanent registration in the region of the bank's presence.
- Regular income, the level of which will pay the mortgage.
- Total work experience over 1 year.
- Experience at the present place of work from six months.
- No delays under the active contract.
Banks also put forward requirements for a loan agreement that is planned to be refinanced:
- the presence of a minimum number of payments made;
- no prolongation/restructuring of the contract;
- observance of the minimum period until the end of the loan;
- having a minimum outstanding balance.
These conditions may be absent or only one of them may be present.
There is a general scheme of actions on how to refinance a mortgage in another bank. You look like this:
- Bank selection. It is important to choose so that the terms of the loan facilitate the process of drawing up a new contract. For example, the absence of collateral requirements would significantly reduce the cost of registering collateral.
- Preparation of necessary documents. A complete list can be found either in the branch or on the website of the selected bank. Usually, the following documents are needed: an application for refinancing, a passport, TIN / SNILS, a work book and a 2-NDFL certificate, documents for property confirming ownership / collateral and a valid mortgage agreement, including receipts of payment made and details for full repayment.
- Signing an agreement. If the decision is positive, the bank will independently transfer the money to the credit account until the loan is completely closed. In case of a negative result, you can apply to other banks. But if the borrower has reason to believe that the answer will come in the negative, it is necessary to simultaneously submit documents to several banks, since the validity of some certificates is limited.
Best Mortgage Refinancing Offers from Other Banks
Many banks are engaged in on-lending, but the conditions offered are not always better than the primary loan. This is due to the fact that sometimes borrowers use refinancing only to avoid delinquency and damage to credit history, and in this situation there is no choice.
To really save money on a new contract, we suggest that you familiarize yourself with the TOP-10 mortgage refinancing programs.
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