Adjust the terms of your existing loan — lower your rate, shorten or extend your term, or reduce your monthly payment. It doesn't put cash in your pocket, but it can meaningfully change what you pay each month or how long you're paying it.
Replace your loan with a larger one and take the difference as cash. Because it's secured by your home, it's often a lower-cost way to fund renovations, pay off higher-interest debt, or cover a major expense than a personal loan or credit card.
Reduced-documentation refinancing for borrowers who already have an FHA or VA loan — you won't qualify without one. These are primarily rate-reduction refinances, and the lighter paperwork can mean a faster process. Talk with us to see if you qualify.
Here's what happens behind the scenes once you start your refinance.
Tell us about your loan and your goal.
Submit income, asset, and property details.
Your home's current value is confirmed.
The lender reviews and verifies your file.
Conditions are cleared and closing is scheduled.
Sign your documents and your new loan funds.
Refinancing can make sense if rates have dropped since you got your current loan, if your credit has improved, if you want to shorten your term, or if you want to tap into your home's equity. We can run the numbers to see if it pencils out for your situation.
A rate-and-term refinance replaces your loan with a new rate or term without changing your loan balance. A cash-out refinance replaces your loan with a larger one and gives you the difference in cash.
Closing costs typically run 2–5% of the loan amount, covering items like appraisal, title, and lender fees. Some of these costs can be rolled into the new loan rather than paid out of pocket.
It can, but it doesn't have to. You can choose a new 30-year term, or match your remaining term, or shorten it — the choice is yours based on what fits your goals.
Instead of calling around yourself, we shop refinance terms across our lender network and bring you the options that fit — with one point of contact throughout the process.
No obligation, no pressure — just a clear look at your best rate.
Start My Refinance