Refinance
Lower your rate, shorten your term, or pull cash out, we'll run the numbers honestly.
Refinancing only makes sense if the math works. We'll tell you straight up, including if it doesn't.
Start with a conversation. The full application opens in ARIVE and is the place for financial details and documents.
About Refinance
A refinance replaces your existing mortgage with a new one, ideally on better terms. We run the full break-even math so you know exactly when the new loan pays for itself before you sign anything.
Key benefits
Replace your current mortgage with a new rate or term. Compare the payment, closing costs, remaining balance, and total interest over the time you expect to keep it.
Access your home's equity in cash. Use it for renovations, college, high-interest debt payoff, or investment. We'll model the blended cost versus alternatives like a HELOC.
A conventional refinance may remove FHA mortgage insurance, but the new rate and closing costs can offset that benefit. Lee can compare the full cost before you decide.
A shorter term can reduce total interest and increase the monthly payment. Compare both payment schedules against your budget.
The process
- Share your current mortgage statement to begin a cost comparison
- Lock a rate if the numbers work
- Submit docs, appraisal, underwriting
- Review the final terms and arrange closing
Refinance FAQ
- Compare the closing costs with the payment savings and how long you expect to keep the new loan. Also compare the remaining balance and total interest, especially if the new term is longer. Lee can work through those scenarios with you.
Check the program details
Requirements vary by borrower, property, and lender. These official sources explain the program rules and annual limits.
Not sure which one fits?
We'll help you compare. Here's what else is on our rate sheet.
Ask about Refinance loans
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