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Three options. Pick the path that fits.

Move. Reset. Invest.

Move

Buy your next home before you sell this one.
Run your Move numbers
How it works?
Pays off your current mortgage
Frees your equity for your down payment
No monthly payments: interest accrues and is paid when you sell
Buy now, move once, sell on your schedule
No backup offer, no discount: your home sells at market, and the sale pays off the loan
9% fixed note rate, simple interest, APR from 10.7%
12 months, no prepayment penalty
One renewal available, subject to lender approval
See Disclosures for representative APR
Who it's for?
Home you live in
Buying your next home
Strong equity, often 12+ years in the home
$500K+ home value
Under 80% loan-to-value
Loan proceeds go to your purchase
See Disclosures for representative APR

Reset

Your equity now, a year to get bank-ready.
Run your Reset numbers
How it works?
Refinances your current mortgage
Check at closing, sized to what you need
Everything financed, $0 due at closing
Twelve monthly payments, interest only
9% fixed note rate, APR from 11.58%
12 months, no prepayment penalty
Exit into a standard refinance when the bank says yes
One renewal available, subject to lender approval
See Disclosures for representative APR
Who it's for?
Home you live in
30%+ equity
A clear path back to bank financing within 12 to 24 months
Divorce buyouts, self-employed, credit seasoning, estate settlements, expiring private loans
$500K+ home value
Under 80% loan-to-value
Loan minimums apply and vary by state
See Disclosures for representative APR

Invest

Bridge loans for 1-4 unit investment property. Twelve months, interest-only, renew if the project runs long.
Run your Invest numbers
How it works?
Purchase, refinance a maturing private loan, or bridge to long-term financing
11% fixed, interest only
2 points origination
Up to 70% of as-is value
12-month term, extensions available
First lien only
No prepayment penalty
Every loan closes with a named exit: sale, refinance, or takeout
Business-purpose loans only.
Not consumer credit.
Who it's for?
Real estate investors and their brokers
1-4 unit non-owner-occupied property
Entity borrowers preferred
Lending in WA, OR, and CO
Borrower-paid broker compensation honored
Broker submissions answered fast
Business-purpose loans only.
Not consumer credit.
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WowRate Mortgage LLC is a marketing and lead generation company, not a lender. All loans are originated and serviced by a separate licensed lender. See Disclosures for details.