Refinance
Lower your rate, change your term, or tap equity
Refinancing replaces your existing mortgage with a new loan to lower your rate, shorten your term, switch loan type, or extract cash from your equity.
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01
Lower Your Payment
Rate-and-term refinance to capture a lower interest rate and reduce your monthly payment.
02
Shorten Your Term
Switch from a 30-year to 15- or 20-year loan to build equity faster and save total interest.
03
Cash-Out Refinance
Convert equity to cash for renovations, debt consolidation, or other priorities, typically up to 80% LTV.
04
Streamline Refinance
VA IRRRL and FHA Streamline offer reduced documentation and faster closings for existing government borrowers.
01
Break-Even Analysis
We calculate exactly when refinance savings outweigh closing costs so you can make an informed decision.
02
No-Cost Options
Lender credits can offset closing costs, increasing your effective rate but eliminating cash to close.
03
Eliminate PMI
Borrowers above 20% equity can refinance into a Conventional loan and stop paying mortgage insurance.
04
Debt Consolidation
Roll high-interest credit card or auto debt into a tax-deductible mortgage at a lower blended rate.
frequently asked questions
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