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Mortgage Refinancing is a Hard Money Loan. A refinance pays off one or more loans secured to the property, which results in a new loan, generally with a bigger principal balance. A homeowner can refinance without receiving any of the proceeds by either rolling the costs of the new loan into the principal balance or paying the costs of the loan out of the borrower’s pocket.

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good credit but no income What Is the Child Tax Credit and How Do You Qualify in 2019? – Parents who earn less than $2,500 a year receive no assistance at all. The child tax credit is only available to taxpayers with earned income of $2,500 or more. This does not include investment income.