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Refinance

Let’s find the right loan for you.

I want to lower my monthly payment.

I want to get cash out of my property.

I want to get ahead on my mortgage.

I want a hassle-free refinance program.

Reduce your interest rate.

By refinancing to lower your interest rate, you will not only reduce your monthly mortgage payment, but could save thousands of dollars over the life of your loan.

Extend your loan term.

Refinancing to extend the term of your loan is a great option for borrowers who haven’t found their forever homes quite yet. This will reduce your monthly mortgage payment giving you the extra cash you need for life’s unexpected expenses.

Remove mortgage insurance

If you have more than 20% equity in your home and currently have an FHA or other government backed mortgage program, refinancing to a conventional loan could lower your monthly payment, as mortgage insurance isn’t required.

Consolidate your debt.

If you have credit card or other high-interest debt you would like to roll into one, simple monthly payment, cashing in on your home equity could be a great option for you.

Make home improvements.

Renovating your home often means coming up with a lot of money in a short period of time. But, because traditional home improvement loans tend to have higher interest rates and strict loan terms, a cash-out refinance is a great alternative.

Pay large expenses.

Kids leaving for college soon? Cash-out refinancing can help you cover the cost and avoid high-interest private loans.

Shorten the term of your loan.

When you refinance to shorten the term of your mortgage, you will pay less interest over the life of your loan. This could save you thousands and help you to pay off your home in much less time.

Change your loan program.

If you have more than 20% equity in your home and currently have an FHA or other government backed mortgage, refinancing to a conventional loan may lower your monthly payment as mortgage insurance is not required. The difference could then be put toward your principal, meaning you’ll pay off your mortgage in less time.

FHA Streamline

If you’re a current FHA borrower, an FHA Streamline refinance could be the right pick for you. They typically don’t require an appraisal and the paperwork is much less extensive than traditional refinance options.

HARP

If you owe as much or more on your mortgage than your home is worth, your home was purchased before May 31, 2009 and is currently owned by Fannie Mae or Freddie Mac—you may be eligible for the Home Affordable Refinance Program (HARP). With limited documentation required, it’s a great option for borrowers who have little or no equity in their homes but are looking to refinance into a more affordable mortgage.

VA IRRRL

If you’re a veteran, active service member or qualified spouse looking to refinance your current VA loan, an IRRRL is probably the program for you. There is no appraisal and very limited documentation required and, in most cases, the cost of refinancing can be rolled into the loan— meaning there is no out-of-pocket cost to you.

I want to lower my monthly payment.

Reduce your interest rate.

By refinancing to lower your interest rate, you will not only reduce your monthly mortgage payment, but could save thousands of dollars over the life of your loan.

Extend your loan term.

Refinancing to extend the term of your loan is a great option for borrowers who haven’t found their forever homes quite yet. This will reduce your monthly mortgage payment giving you the extra cash you need for life’s unexpected expenses.

Remove mortgage insurance

If you have more than 20% equity in your home and currently have an FHA or other government backed mortgage program, refinancing to a conventional loan could lower your monthly payment, as mortgage insurance isn’t required.

I want to get cash out of my property.

Consolidate your debt.

If you have credit card or other high-interest debt you would like to roll into one, simple monthly payment, cashing in on your home equity could be a great option for you.

Make home improvements.

Renovating your home often means coming up with a lot of money in a short period of time. But, because traditional home improvement loans tend to have higher interest rates and strict loan terms, a cash-out refinance is a great alternative.

Pay large expenses.

Kids leaving for college soon? Cash-out refinancing can help you cover the cost and avoid high-interest private loans.

I want to get ahead on my mortgage.

Shorten the term of your loan.

When you refinance to shorten the term of your mortgage, you will pay less interest over the life of your loan. This could save you thousands and help you to pay off your home in much less time.

Change your loan program.

If you have more than 20% equity in your home and currently have an FHA or other government backed mortgage, refinancing to a conventional loan may lower your monthly payment as mortgage insurance is not required. The difference could then be put toward your principal, meaning you’ll pay off your mortgage in less time.

I want a hassle-free refinance program.

FHA Streamline

If you’re a current FHA borrower, an FHA Streamline refinance could be the right pick for you. They typically don’t require an appraisal and the paperwork is much less extensive than traditional refinance options.

HARP

If you owe as much or more on your mortgage than your home is worth, your home was purchased before May 31, 2009 and is currently owned by Fannie Mae or Freddie Mac—you may be eligible for the Home Affordable Refinance Program (HARP). With limited documentation required, it’s a great option for borrowers who have little or no equity in their homes but are looking to refinance into a more affordable mortgage.

VA IRRRL

If you’re a veteran, active service member or qualified spouse looking to refinance your current VA loan, an IRRRL is probably the program for you. There is no appraisal and very limited documentation required and, in most cases, the cost of refinancing can be rolled into the loan— meaning there is no out-of-pocket cost to you.