Make Your Mortgage Work For You

Lower your monthly payment or access the equity you have built over time

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Maximize Your Mortgage

Your mortgage should adapt as your financial goals change. Whether you want to lower your monthly cost, pay off your loan faster, or access cash from your equity, we help you find the right strategy for your budget.

Lower Your Payment

If rates have dropped since you brought your home, you could save hundreds every month. We analyze your current loan to see if a lower rate makes sense.

Pay It Off Sooner

Switching to a shorter term helps you pay less interest over the life of your loan and own your home faster.

Drop Your PMI

If your home value has increased, you can eliminate private mortgage insurance to lower your monthly payment

Cash-Out Equity

Use your home equity for improvements, debt consolidation, or other major life goals. It is often the most affordable way to access large sums of money.

Lower Your Payment

If rates have dropped since you brought your home, you could save hundreds every month. We analyze your current loan to see if a lower rate makes sense.

Pay It Off Sooner

Switching to a shorter term helps you pay less interest over the life of your loan and own your home faster.

Drop Your PMI

If your home value has increased, you can eliminate private mortgage insurance to lower your monthly payment

Cash-Out Equity

Use your home equity for improvements, debt consolidation, or other major life goals. It is often the most affordable way to access large sums of money.

Start Smart

Share a quick snapshot of your budget and goals, and your loan advisor will set clear process expectations.

Get Pre-Approved

Apply online, upload documents, and after review and verification, receive your approved line of credit.

Finish Strong

Once your credit line is set up, access your funds as needed during your draw period and manage repayments on your terms.

Rate & Term

A rate-and-term mortgage refinance is the replacement of an existing mortgage with another mortgage under different terms.

Change payoff term
Save on interest
Lower monthly payments
Lower interest rate

Learn more

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Cash-Out

A cash-out refinance allows homeowners to access home equity by replacing their mortgage with a larger loan and receiving cash back.

For home improvement, debt, college, etc.
Equity taken out of home in cash
Higher monthly payments
Higher mortgage balance

Learn more

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Frequently Asked Questions

What does it mean to refinance a mortgage?

A mortgage refinance is the process of replacing your current home loan with a new one, often with different terms. Homeowners may refinance to lower their interest rate, reduce their monthly payment, change their loan term, or access home equity through a cash-out refinance.

How soon can I refinance after buying my home?

How soon you can refinance after buying a home depends on the type of mortgage and refinance program you choose. While some homeowners may be eligible to refinance shortly after closing, others may need to meet a waiting period or seasoning requirement. Factors such as your current loan, equity, and financial situation can all affect refinance eligibility.

Is it worth it to refinance if interest rates dropped slightly?

Whether it’s worth refinancing after a slight drop in interest rates depends on your financial goals and the overall cost of the refinance. Even a small reduction in your interest rate may lower your monthly payment or reduce the total interest paid over the life of the loan. Comparing potential savings to closing costs can help determine whether refinancing makes sense for your situation.

How does a cash-out refinance work?

A cash-out refinance replaces your existing mortgage with a new home loan for a higher amount than you currently owe. The difference between the new loan amount and your remaining mortgage balance is paid to you in cash, which can be used for expenses such as home improvements, debt consolidation, or other financial needs.

Do I have to pay closing costs to refinance?

Yes, refinancing a mortgage typically involves closing costs, similar to those paid when you originally purchased your home. These costs may include lender fees, appraisal fees, title services, and other expenses associated with replacing your existing loan. The amount you’ll pay can vary based on the loan type, property, and refinance program.

Will refinancing require a new home appraisal?

A home appraisal may be required when refinancing, but it depends on the loan program and your individual circumstances. An appraisal helps determine your home’s current market value, which can affect your loan terms and the amount of equity available. In some cases, certain refinance programs may allow borrowers to qualify without a new appraisal.

Mortgage Blog

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Make Your Mortgage Work For You

Maximize Your Mortgage

Lower Your Payment

Pay It Off Sooner

Drop Your PMI

Cash-Out Equity

Lower Your Payment

Pay It Off Sooner

Drop Your PMI

Cash-Out Equity

Start Smart

Get Pre-Approved

Finish Strong

Rate & Term

Cash-Out

Frequently Asked Questions

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