Refinance: Make Your Mortgage Work Harder.
Lower your rate. Shorten your term. Tap your equity. We'll show you the math.
What is refinancing?
Refinancing means replacing your current mortgage with a new one. People refinance to get a lower rate, shorten the term, or tap home equity (cash-out). We run the numbers and show you if it makes sense for your situation.
Rate-and-term vs cash-out: what is the difference?
Rate-and-term refi: you lower your rate or change the term (e.g. 30 to 15 years) without taking extra cash. Cash-out refi: you borrow more than you owe and get the difference in cash. Both have different rules and costs. We explain both.
When should I refinance?
When your current rate is meaningfully higher than today's rates, and the savings outweigh the closing costs. We look at your payoff time and total savings so you can decide. There is no one-size-fits-all answer.
What does it cost to refinance?
You will have closing costs (lender fees, title, appraisal, etc.). They can often be rolled into the new loan or offset by a lender credit. We show you the full breakdown and your break-even point.
How long does a refinance take?
Most refis close in 30 days or less. We have done it faster when needed. Our ops team keeps the process moving so you are not waiting in the dark.
Do I qualify for a refinance?
Lenders look at credit, income, home value, and current loan balance. Take our quiz and we will point you in the right direction. We shop 100+ lenders so we can often find an option even if your situation is a bit tricky.
FAQ
Will refinancing hurt my credit?
A refinance typically involves one hard inquiry. The impact is usually small and short-term. We only run your credit when you are ready to move forward.