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.
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
The classic refi. Replace your current rate and/or term with a better one. If rates drop 0.75%+ below what you have, it's usually worth a conversation.
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.
If you have 20%+ equity and you're still paying FHA mortgage insurance, refinancing to conventional can save you $100-$250 per month indefinitely.
Going from a 30-year to a 15-year usually bumps the payment modestly while saving tens of thousands in interest. We'll show you the payoff schedule side-by-side.
The process
- Share your current mortgage statement, we'll run the break-even in one phone call
- Lock a rate if the numbers work
- Submit docs, appraisal, underwriting
- Close (typically 25-30 days)
Refinance FAQ
- Rule of thumb: if you can drop your rate 0.75% or more and stay in the home at least 2-3 more years, the math usually works. We'll calculate your exact break-even date before you commit.
Not sure which one fits?
We'll help you compare. Here's what else is on our rate sheet.
Ask about Refinance loans
Lee answers personally. Usually within a business hour.
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