We make refinancing your home a smooth process! Our low rates and fee combinations are the reason we successfully have helped more than 10,000 homeowners refinance their current mortgage. We do both Rate & Term Refinancing and Cash-Out Refinancing. Whether it is about lowering your interest rate and loan term or using the equity in your home to help pay off high-interest debt like credit cards, we have you covered!

Types of Refinance

Rate & Term Refinancing and Cash-Out Refinancing.

Rate and Term Refinancing

Rate and term refinancing is used to change the interest, term, or both of an existing mortgage.

For example, let's say you have a 30-year mortgage with 15 years left to pay and you've noticed interest rates are dropping. You could refinance your mortgage with the Rate & Term option to take advantage of the new rate without changing the principal balance on your loan.

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Cash-Out Refinancing

Cash-Out Refinancing is used to get a larger amount than the existing loan. You can access the equity to help pay off high-interest debts like credit cards and other types of loans, or possibly cover large expenses like a home remodeling, wedding or education.

For example, let’s say you own a home worth $200,000 but still owe $100,000 on the current mortgage. This means you have an equity of $100,000. Now let’s say you need $35,000 in cash for the purpose of home improvements. You could refinance your mortgage with the cash-out option to get a new loan worth a total of $135,000 ($100,000 you still owe on your home, plus the $35,000 you’re going to take out in cash for home improvements).

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The Home Refinance Loan Process

Here’s how our home refinance loan process works


Step 1

Complete our simple home refinance analysis request


Step 2

Receive options based on your unique criteria and scenario


Step 3

Compare mortgage interest rates and terms


Step 4

Choose the offer that best fits your needs