A hard money loan is a type of a mortgage loan. As such, it's also a lien secured against your property. Refinancing a mortgage typically means obtaining a new loan that pays your current lienholder whatever you own to them, so they can remove their lien off your title. That old lien is then replaced by a lien that secures the interest of your new lender. In theory, any debt can be repaid and any lien can be refinanced. In practice, for a new lender to refinance your current loan, you need to meet their underwriting standards. These underwriting standards vary from lender to lender. If you're looking to refinance a hard money loan, we offer several optons. Read about them here.