Why Refinance
Refinancing your mortgage is a great way to lower your interest rate, lower your monthly payment, or tap into the equity of your home. We make refinancing easy and offer customized solutions to fit your financial goals.
Lower your monthly payments: Refinance into a lower interest rate and drastically lower your monthly mortgage payments, freeing up cash for use somewhere else.
Shorten your loan term: Switch from a 30-year mortgage into a 15-year loan and pay off your house much faster to save on interest over time.
Cash-Out Refinance: Draw from your home’s equity to finance home renovations, consolidate high-interest debt, or cover major life expenses.
Save Money, Lower Payments, and Freedom From Financial Issues
Rate-and-Term Refinance
Amongst the most popular kinds of refinancing, this allows you to change your loan rate and/or its term. Refinancing the rate and term of your mortgage will let you make it much easier on your wallet to handle. Whatever be your need-lowered monthly payment or to pay off your loan faster, rate-and-term refinance may work for you.
Cash-Out Refinance
Need extra cash for home improvements, education, or debt consolidation? A cash-out refinance lets you take out a new mortgage for more than you owe and gives you the difference in cash.
FHA Streamline Refinance
Already have an FHA loan? Our streamline refinance program allows for an easy way to lower your rate without the need for a full credit check or appraisal to save you money and time.
VA Interest Rate Reduction Refinance Loan
For veterans and active military, our VA IRRRL program offers a streamlined means through which to refinance your existing VA loan at a lower rate thereby lowering your monthly payments without needing an extensive appraisal or income verification.
The Refinancing Process:
How It Works?
Refinancing isn’t an all-or-nothing decision. It’s all about weighing the costs against the benefits to determine whether refinancing is the right move for you and your financial situation. Try using our refinance calculator to see how much you may be able to save.
Apply Online
With just minutes, apply online to initiate your refinance application.
Review Your Options
We’ll work with you to explore all of your refinancing options and find the best fit for your needs.
Close and Save
When your loan is approved, we will guide you through a quick and easy closing process, so you can start saving
How to Get Started Refinancing Today! Ready to take control of your mortgage? Get a Personalized Rate Quote or Contact Us to learn more about our refinancing options.
Frequently Asked Questions
Yes, you can pay off your home loan early, but it’s essential to check if your loan has a prepayment penalty. Some loans charge fees for paying off the loan before the term ends, while others do not. Always review your loan terms for specific details.
A home loan is a secured loan that allows you to borrow money to buy or refinance a home. The lender provides funds upfront, and you repay the loan amount over time, usually in monthly installments, including interest.
We offer various home loan options, including fixed-rate mortgages, adjustable-rate mortgages (ARMs), FHA loans, VA loans, USDA loans, and jumbo loans, catering to different financial needs and qualifications.
The amount you can borrow depends on several factors, including your income, credit score, current debts, and the value of the property you wish to buy. Pre-approval can help you understand your borrowing capacity.
The minimum credit score varies by loan type. Conventional loans typically require a score of 620 or higher, while FHA loans may be available to borrowers with scores as low as 580. A higher score can improve your loan terms and interest rates.
Common documents include proof of income (pay stubs, tax returns), bank statements, identification, and details of your current debts. Having these ready can expedite the loan approval process.
Pre-qualification is an initial assessment of your borrowing potential based on self-reported financial information. Pre-approval is a more in-depth process where the lender verifies your financial details, giving you a more accurate loan amount and demonstrating to sellers that you are a serious buyer.
The approval process usually takes 30 to 45 days, depending on various factors such as the complexity of your application, the type of loan, and the lender’s processing time. Providing complete and accurate documentation can speed up the process.
Let’s Make Things Happen
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