Refinance > Frequently Asked Questions
Refinance Mortgage

Owner occupied vs non-owner occupied loan

When refinancing investment or rental property, what is the difference in rate for non-owner occupied vs. owner occupied financing?

Conforming non-owner occupied rates are typically 3/8% higher than owner occupied interest rates. The equity requirement is usually higher for non-owner occupied mortgages as well, typically 20-30%+.








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