Thinking about refinancing your home, but worried you don’t have enough equity (or maybe none at all)? Don’t worry — you’re not alone! In this episode of Your Real Talk, Luna Petty breaks down everything you need to know if you’re asking yourself: “Can I refinance with little to no equity?”

Let’s start with the basics. Equity is the difference between what your home is worth and what you still owe on it. Usually, people think you need a lot of equity to refinance — but that’s not always true! There are special programs out there that may help homeowners who don’t have much (or any) equity in their home.

In this episode, Luna explains:

What equity is and how it affects refinancing

The difference between a traditional refinance and other options

Special loan programs designed for low- or no-equity homeowners

How government-backed programs like FHA, VA, and HARP-style loans (where available) can help

What lenders are really looking for if you’re low on equity

Whether you’re trying to lower your interest rate, switch from an adjustable to a fixed rate, or consolidate debt — this episode gives you clear, no-fluff information that can help you make a smart move.

Luna also shares:

Common mistakes to avoid when refinancing

How to find out if your home qualifies for a no-equity refinance

Tips to improve your chances of getting approved

When not to refinance (because yes, sometimes it’s better to wait)

If you're feeling stuck or unsure about your refinancing options, this is a must-watch. Luna breaks it all down in simple terms — no fancy jargon, just real talk!

This episode is perfect for:
🏡 Homeowners with little to no equity
💸 Folks looking to lower monthly payments
💼 Anyone who's been turned down before and wants to try again with the right strategy

Company Name: Unyque Financial
Host Name: Luna Petty
Company URL: https://www.unyquefinancial.com/luna-petty/
NMLS Numbers: Luna Petty (NMLS #388419), CA Real Estate Agent (DRE #01347590)
Licensing Information: Equal Housing Opportunity — https://www.nmlsconsumeraccess.org
Contact Number: 626-796-7164
Social Media Links:

Facebook: https://www.facebook.com/FMUnyque

Instagram: https://www.instagram.com/unyque.financial/

Twitter: https://twitter.com/LunaPetty

LinkedIn: https://www.linkedin.com/in/lunapetty/
YouTube Link: https://www.youtube.com/@UnyqueRE

Hashtags:
#RefinanceOptions
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#HomeOwnership
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#FinancialFreedom
#RealEstateEducation
#RefinancingExplained
#UnyqueFinancialInsights
#LunaPettyMortgageStrategies
#YourRealTalkPodcast
#CaliforniaRealEstatePulse
#MortgageWisdomWithLuna
#NavigatingCARealEstate
#EmpowerYourHomeJourney

Disclaimer:
The information is intended to be viewed for informational purposes only. The content contained herein is not guaranteed or endorsed by the company, or any company mentioned, nor is this content meant to be an offer of credit. The information contained in this video may not be wholly or at all applicable to every situation or jurisdiction. You are strongly encouraged to consult your professional mortgage advisor before acting upon any information in this video. The information provided is for use as a training tool only. The information is not intended, nor should it be relied upon for any other purpose.