Refinance
Refinancing isn’t just about saving money—it’s about making your mortgage work for you. Whether you're planning for the future or need financial relief now, we’re here to help you explore your options and find the best solution.
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Why refinance?
Whether you want to save on your monthly payments or free up cash for renovations, refinancing can be a powerful financial tool for the following reasons:
Change your loan term
Shortening your loan term (e.g., from 30 to 15 years) can help you pay off your home faster and save on a lot of interest in the long term.
Lock in a stable, predictable rate
If you have an adjustable-rate mortgage (ARM) and worry about rising interest rates, refinancing to a fixed-rate loan can protect you from future rate increases and provide long-term peace of mind.
Lower your monthly payment
If your home's value has increased and you now have at least 20% equity, refinancing could allow you to eliminate private mortgage insurance and lower your monthly payment.
Explore your options
There’s more than one way to refinance—we'll help you evaluate your options and choose the one that best fits your financial strategy.
Cash-Out Refinance
A cash-out refinance allows you to tap into the equity you've built and replaces your current mortgage with a larger loan, allowing you to use the difference in cash for anything you might need.
Rate-and-Term Refinance
Rate and term refinance updates the rate, loan term or both to lower your monthly payments with an updated rate that reflects market rates—all without pulling out cash.
HELOC (Home Equity Line of Credit)
A HELOC is a revolving line of credit secured by your home’s equity. You can borrow as needed, similar to a credit card, making this a flexible option for ongoing expenses or projects.
HELOAN (Home Equity Loan)
A HELOAN is lump-sum loan based on your equity, typically with a fixed rate and set repayment schedule, and is best suited for large, one-time expenses.
Why work with us?
Zero points, zero fees
When you refinance with us, you don't have to calculate the breakeven point because we'll do it for free.
Personalized guidance
Whether you are looking to consolidate debt or have cash handy for a remodel, we're here to provide accessible lending options to suit your needs.
Let's talk refinance
Whether you're aiming to lower your payment, tap into your equity, or restructure your mortgage, our team is here to help. We'll walk you through your options and make the process simple, transparent, and tailored to your goals.
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