Refinance &
Save Thousands
Lower your rate, reduce your monthly payment, or access cash from your home equity. See how much you could save in just minutes.
Quick Savings Estimate
Refinance Options
Choose the refinance option that fits your financial goals.
Rate & Term Refinance
Lower your interest rate or change your loan term to save money over time.
- Lower monthly payments
- Reduce total interest
- Pay off faster
Cash-Out Refinance
Access your home equity for renovations, debt consolidation, or major expenses.
- Up to 80% LTV
- Lower rates than HELOCs
- Tax-deductible interest*
Streamline Refinance
Fast, simplified refinancing for FHA, VA, or USDA loan holders with less paperwork.
- No appraisal required
- Minimal documentation
- Close in 2-3 weeks
When Should You Refinance?
Refinancing makes sense in several situations. Consider refinancing when:
Rates Have Dropped
If current rates are 0.5-1% lower than your existing rate, refinancing could save you thousands.
Your Credit Has Improved
A higher credit score can qualify you for better rates than when you first got your loan.
You Need Cash
Cash-out refinancing lets you tap your home equity at lower rates than credit cards or personal loans.
You Want to Pay Off Faster
Refinancing from a 30-year to 15-year mortgage can save significant interest over the life of your loan.
Current Refinance Rates
30-Year Fixed
Most popular
6.25%
APR: 6.38%
15-Year Fixed
Pay off faster
5.50%
APR: 5.65%
Cash-Out Refi
Access equity
6.50%
APR: 6.65%
How Refinancing Works
Our streamlined process makes refinancing quick and hassle-free.
Check Your Rate
Get a personalized rate quote in minutes with no credit impact.
Submit Documents
Upload your documents securely through our online portal.
Get Approved
Receive your approval with final terms and closing details.
Close & Save
Sign your documents and start saving with your new lower rate.
Ready to Start Saving?
Check your personalized rate in just 2 minutes. No credit impact, no obligation.
Refinance FAQs
How much does refinancing cost?
Closing costs typically range from 2-5% of the loan amount. However, we offer no-closing-cost options where fees are rolled into your loan or covered by a slightly higher rate.
How long does refinancing take?
Most refinances close in 30-45 days. Streamline refinances for FHA/VA loans can close in as little as 2-3 weeks due to reduced documentation requirements.
Will refinancing affect my credit score?
Checking your rate with us uses a soft credit pull with no impact. A hard inquiry only occurs after you decide to proceed, which may temporarily lower your score by a few points.
Can I refinance with bad credit?
Yes, we work with borrowers across the credit spectrum. While better credit unlocks better rates, we have options for credit scores as low as 580.