Refinance Your Mortgage

why our
Clients love us

Battle Creek, MI

Kayla D.

Doug was amazing to work with on the purchase of my first home. No matter the day or the time I could always contact Doug. Open communication and the knowledge he possesses made my experience very smooth. I recommend Doug for all of your lending needs.

Portage, MI

jamez

Greatest experience I could ask for. One lender denied me 2 weeks before closing. Doug and his team came to my rescue and made it so simple to complete. Very flexible with work schedules and always a fast response. I look forward to working with him again and definitely recommend.

Nashville, MI

Matthew P.

Doug was kind and professional to work with. He was very helpful during the entire process. If he didn't have the answer, Doug was sure to get the answer quickly. It was a pleasure working with Doug on getting my new house. I would gladly work with Doug again.

Muskegon, MI

leelee96667

I have to give the highest compliment and recommendation to my lender Doug. I recently purchased my new home. Doug had great knowledge, patience and professionalism through this process with me, and I wasn't the easiest person to deal with. Purchasing a home is very stressful and he was there every step of the way.

Ovid, MI

Stewart L.

Doug was great to work with. He was very prompt with communications and was very open to answering questions. He turned requests around very quickly. Even my realtor was impressed and said this was the best remote lender that she had ever worked with. I highly recommend.

Stevensville, MI

David

VA loans can be tedious. Doug did an outstanding job communicating everything and keeping me updated as the process continued. The online portal was also an excellent addition, very helpful.

Grand Rapids, MI

Ngrace

Doug was incredibly helpful and knowledgeable. He was able to get us a pre approval letter same day, within minutes so we could offer on a house. He made the underwriting process understandable and smooth. Stress free experience. 10/10.

Smithfield, NC

Eric

When I began my journey to buy a home in Smithfield, I was filled with anxiety regarding my chances for a loan required for this area. From our first conversation, Kevin set a high standard. He was more than a lender. He was a trusted advisor, providing clear and timely communication. Kevin and his team were patient, supportive, and made me feel like family, easing the stress of such an important purchase.

Raleigh, NC

Susan C.

This will be my mortgage group from now on. I will not go anywhere else and highly recommend using them for your purchase. Timely communication throughout the process whenever we had questions, concerns, or just needed a little hand holding. They did whatever was needed.

Alexei K.

Durham, NC

Absolutely top notch. I just closed on a house yesterday with them and they were extremely helpful through the entire process. As a first time buyer I had questions and they were so patient with me through the process. They were really fast compared to other offerings and gave us a great rate.

Apex, NC

Kristina S.

Kevin and his team are great at what they do and fun to work with too. They got us a great rate, took care of everything and made the process of getting a loan for our home purchase so easy.

frequently asked questions

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How long does it take to refinance a mortgage?

Refinancing a mortgage usually takes about 30 to 45 days to close. The timeline depends on how quickly documents are submitted and whether an appraisal or title work takes extra time. Staying responsive to your lender helps keep the process moving smoothly.

Will I need a new appraisal to refinance?

Many refinances require a new appraisal to confirm your home’s current value. This helps the lender determine how much you can borrow and whether you have enough equity. However, in some cases, certain refinance programs may allow an appraisal waiver.

Why should I consider refinancing my mortgage?

Considering refinancing your mortgage can help you lower your monthly payment, reduce your interest rate, or switch from an adjustable-rate loan to a fixed-rate loan. Some homeowners also refinance to shorten their loan term or to take cash out for home improvements, debt consolidation, or other needs.

Is the approval process different depending on the type of refinance loan I choose?

The approval process is generally similar no matter which type of refinance loan you choose, but the requirements may vary. A rate-and-term refinance usually focuses on your credit, income, and property value, while a cash-out refinance also looks at how much equity you have. Government-backed programs like FHA or VA may also have their own guidelines.

Can refinancing affect my credit score?

Refinancing can affect your credit score because applying for a refinance involves a credit check, which may cause a small and temporary dip in your score. Over time, if refinancing lowers your payment or helps you manage debt, it may improve your overall credit health.

How much equity do I need to refinance?

How much equity you need to refinance depends on the type of refinance. Conventional refinances often require at least 20% equity to qualify for the best terms, while FHA or VA loans may allow you to refinance with less equity. Your loan officer can review your options based on your current loan and your property value.

When should I refinance my mortgage?

Refinance when one or more conditions apply: market rates are at least 0.5% to 0.75% below your current rate, you want to shorten your term, you need to eliminate PMI, you want to switch from ARM to fixed, or you need cash for renovations or debt consolidation. We provide a break-even analysis with every refinance quote.