What would you like to do?
Lower my payment or shorten my term
A rate-and-term refinance replaces your current mortgage with a new one to change your rate, your term, or both, without taking cash out.
Take cash out of my home
A cash-out refinance replaces your mortgage with a larger one and gives you the difference in cash, all in one loan with one payment.
Get cash but keep my current mortgage
A HELOC or home equity loan adds a second loan so your first mortgage stays untouched. This is often a smart move if you have a low rate today.
Eliminate my monthly mortgage payment (age 62+)
A reverse mortgage lets eligible homeowners 62 and older use their equity without a required monthly mortgage payment.
Refinance a government loan
We also refinance FHA and VA loans, including streamlined options when you qualify.
When does refinancing make sense?
A refinance is worth it when the benefits outweigh the costs. We look at:
- Your goal. Payment, term, cash, or a combination.
- Your closing costs and how long it takes to make them back.
- How long you plan to stay in the home.
- Your remaining term. Starting a new 30-year loan when you only have a few years left can increase the total interest you pay, even if the payment drops.
We'll run the numbers side by side so you can see the trade-offs clearly, then you decide.
Refinancing a rental property?
If you're refinancing an investment property, a DSCR loan can qualify you based on the property's rental income instead of your personal income.
What to have ready
To get started, all you need is a conversation. When you're ready, these help:
- Your most recent mortgage statement
- Proof of income (or bank statements if you're self-employed)
- Homeowners insurance and HOA information, if any
- A short note on your goal
Where this is available
Refinancing is available for homes you live in and investment properties in all five of our licensed states: California, Arizona, Colorado, Florida, and Texas.
Program availability can vary by state and property. Contact us to confirm options for your home.