Refinancing, on your terms.
A refinance replaces your current mortgage with a new one. Homeowners refinance to change their rate or term, move from an adjustable to a fixed rate, or borrow against their equity.
Does it make sense for you?
Whether a refinance is worth it depends on your goals, your current loan, the closing costs of the new loan, and how long you plan to stay in the home. We will run the numbers with you honestly, including when waiting is the better choice.
Who it's for
- Homeowners who want a different rate or loan term
- Borrowers moving from an adjustable to a fixed rate
- Homeowners who want to use equity for a project or other goals
- Owners who need to remove a borrower from the loan
What lenders typically review
- Current loan balance and home value
- Credit history
- Income and monthly debts
- Why you are refinancing and how long you plan to stay
- An appraisal, when required
From first call to closing.
Every deal is a little different. Here is the general path, and we will tailor it to you.
- 1
Review your current loan
Bring your latest mortgage statement and tell us your goal.
- 2
Compare the numbers
We look at payment, costs, and the break-even point side by side.
- 3
Apply and appraise
Documents, appraisal if needed, and underwriting.
- 4
Close
Sign the new loan, and your old one is paid off.
Refinance questions.
Have a question that is not here? Ask us. No question is too basic.
Does a refinance have closing costs?
What is a break-even point?
What is a cash-out refinance?
Related programs.
All loans are subject to credit approval, underwriting, and property review. Program availability, terms, and requirements vary and can change. This page is general information, not a commitment to lend. We will explain the requirements for any program before you apply.
Questions about refinance financing?
Tell us what you are working on, and we will walk you through whether this program may fit.
