Refinance

Make your mortgage work harder for you.

Lower your monthly payment, get out of an adjustable rate, or take cash out of your home. We’ll show you if it makes sense, and tell you if it doesn’t.

Apply Now →Run the Numbers →

Reasons to refinance

Three ways a refinance can help.

Lower your payment

A new rate or term could reduce your monthly payment and free up room in your budget.

Get out of an ARM

Move from an adjustable rate to a fixed rate and stop worrying about future increases.

Take cash out

Use your equity for home improvements, college, or paying off higher-interest debt.

Straight answers

Is now the right time?

Refinancing has costs, so the real question is how long it takes to earn them back. We’ll walk you through the break-even point, your new payment, and the total cost over the life of the loan.

Try our refinance calculator for a quick estimate, then call us for a personalized quote.

Rate-and-term refinance
Cash-out refinance
ARM to fixed-rate
Shorter terms to pay off sooner

Try the Refinance Calculator →

Refinance FAQ

Good questions, honest answers.

How much does it cost to refinance?

Closing costs vary by loan amount, lender and program. We’ll give you an itemized estimate so you can compare it to your monthly savings.

How long does a refinance take?

Timelines depend on the lender, appraisal and your documents. We keep you updated at every step.

Will I need an appraisal?

Many refinances require one, but not all. It depends on the program and your equity.

Can I refinance with lower credit?

Possibly. We have access to products for lower credit scores and higher loan-to-value. Pricing reflects the lender’s risk.

Ready when you are

Let’s talk about your next move.

No pressure, no obligation. Just a quick conversation with a local mortgage pro about where you want to go.

Apply Now →Call 720-407-6330