Lower Your Rate. Tap Your Equity. Breathe Easier.
Reduce your payment, shorten your term, or access cash from your equity. Whether you have a conventional, VA, or FHA loan, we have a refinance option for you.
Fast Closings • Competitive Rates • 6 Refinance Options
See How Much You Could Save
Your Current Mortgage
Your Potential Savings
Lifetime Savings
$70,441
✓ Refinancing makes sense for you!
Get Detailed Analysis →Find Your Perfect Refinance Options Loan
Compare products and find the perfect fit for your needs
When Should You Refinance?
Refinancing isn't right for everyone. Here's how to know if it makes sense for you.
Good Time to Refinance
- Your current rate is 0.75%+ higher than today's market rates
- You plan to stay in the home 2+ more years
- You want to eliminate PMI (at 20%+ equity)
- You need to consolidate high-interest debt
- You want to switch from ARM to fixed rate
- You need cash for major expenses or renovations
Maybe Wait If...
- You're moving within 1-2 years (won't recoup costs)
- Your current rate is already competitive
- You recently refinanced (within 1-2 years)
- You're extending your term significantly
- Closing costs exceed your break-even timeline
Compare at a Glance
| Product | Purpose | Appraisal | Max LTV | Best For |
|---|---|---|---|---|
Rate & Term | Lower rate/payment | Required | 97% | Conventional borrowers |
Cash-Out | Access equity | Required | 80% | Major expenses |
HELOC | Flexible credit line | Required | 85% CLTV | Ongoing needs |
VA IRRRL | Streamline VA refi | Not required | 100%+ | VA borrowers |
FHA Streamline | Simplify FHA refi | Usually waived | 97.75% | FHA borrowers |
Streamline | Quick rate reduction | Often waived | Varies | VA/FHA borrowers |
Rate & Term
- Purpose
- Lower rate/payment
- Appraisal
- Required
- Max LTV
- 97%
- Best For
- Conventional borrowers
Cash-Out
- Purpose
- Access equity
- Appraisal
- Required
- Max LTV
- 80%
- Best For
- Major expenses
HELOC
- Purpose
- Flexible credit line
- Appraisal
- Required
- Max LTV
- 85% CLTV
- Best For
- Ongoing needs
VA IRRRL
- Purpose
- Streamline VA refi
- Appraisal
- Not required
- Max LTV
- 100%+
- Best For
- VA borrowers
FHA Streamline
- Purpose
- Simplify FHA refi
- Appraisal
- Usually waived
- Max LTV
- 97.75%
- Best For
- FHA borrowers
Streamline
- Purpose
- Quick rate reduction
- Appraisal
- Often waived
- Max LTV
- Varies
- Best For
- VA/FHA borrowers
Have a VA or FHA Loan?
You may qualify for streamlined refinancing with minimal hassle.
VA IRRRL and FHA Streamline programs offer the fastest path to a lower rate. No appraisal, minimal documentation, and often no out-of-pocket costs. If you have an existing government loan, these programs can save you thousands with minimal paperwork.
Frequently Asked Questions
Time to Refinance?
See how much you could save with our free refinance analysis