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Refinance Your Mortgage

Rates as low as 6.25% APR. See if you qualify in 2 minutes with no impact to your credit score.

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Is Refinancing right for You?

This is right for you if:


- Current mortgage rates are at least 0.75-1% lower than your existing rate


- You plan to stay in your home for at least 2-3 years to recoup closing costs


- Your credit score has improved since you first bought your home


- You want to free up cash flow for other expenses or investments



Think twice if:


- You're already close to paying off your mortgage (less than 5-10 years remaining)


- You plan to move within the next 1-2 years


- The monthly savings won't offset closing costs within a reasonable timeframe


- You'd be extending your loan term significantly and paying more interest overall


- Your current rate is already very competitive (below 4%)



This is right for you if:


- You have at least 20% equity in your home


- You need funds for high-value investments (home improvements that increase property value)


- You're consolidating high-interest debt (credit cards at 18-25% APR)


- You have a major expense like medical bills or education costs


- The interest rate on a cash-out refi is lower than other borrowing options



Think twice if:


- You're using the money for vacations, luxury items, or depreciating assets


- You're already struggling to make your current mortgage payment


- Your home value has decreased or remained flat


- You'd be left with less than 20% equity and have to pay PMI


- You have other lower-risk ways to access funds (savings, 0% credit cards for purchases)


- You're nearing retirement and want to reduce, not increase, your debt

This is right for you if:


- Your income has increased significantly since you bought your home


- You want to pay off your mortgage before retirement


- You want to build equity faster and own your home sooner


- You want to save tens of thousands in total interest over the life of the loan


- Current 15-year rates are attractive (typically 0.25-0.5% lower than 30-year rates)



Think twice if:


- The higher monthly payment would strain your budget


- You have other high-interest debt to pay off first


- You'd benefit more from investing the difference in retirement accounts


- You need financial flexibility for emergencies or other goals


- You're planning major expenses (college tuition, weddings) in the near future


- You might need to move before the loan term ends

This is right for you if:


- You currently have an adjustable-rate mortgage (ARM) that's about to adjust


- Interest rates are rising and your ARM payment is increasing


- You plan to stay in your home long-term and want payment stability


- You're losing sleep over uncertainty about future payment changes


- Your ARM's initial fixed period is ending


- You want to lock in a predictable payment for budgeting purposes



Think twice if:


- You plan to move before your ARM adjusts to a higher rate


- Your ARM has a low lifetime cap that limits how much it can increase


- Current fixed rates are significantly higher than your current ARM rate


- You're in the early years of a 7/1 or 10/1 ARM with time before adjustment


- You can handle potential payment increases and want to bet on rates staying low


- The cost of refinancing outweighs the risk of rate increases

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How It Works

1


Get Your Personalized Rate

Answer a few quick questions online, and we'll compare 100+ lenders to find you the best match.


No credit impact, no commitment required.

2


 Choose Your Loan

Review personalized rate options and select the loan that works best for you.


3


Close from Home 

Upload documents securely online and close on your schedule. Many loans close in 3 weeks or less.


Refinance Calculator

FAQs

Got a question? We’re here to help.

  • What is mortgage refinancing?

    Mortgage refinancing is the process of replacing your current mortgage with a new one. This is typically done to get a lower interest rate, reduce monthly payments, or change the loan term.



  • How do I know if I should refinance my mortgage?

    You should consider refinancing your mortgage if you can lower your interest rate, reduce your monthly payments, or pay off your mortgage sooner. Other factors to consider include your credit score, the current market conditions, and the cost of refinancing.

  • What are the benefits of mortgage refinancing?

    The benefits of mortgage refinancing include:

    • Lowering your monthly mortgage payments
    • Shortening the term of your mortgage
    • Getting a lower interest rate
    • Switching from an adjustable-rate mortgage to a fixed-rate mortgage


  • What are the costs associated with mortgage refinancing?

    The costs of refinancing your mortgage can vary depending on the lender, the type of loan, and other factors. Some common costs include:

    • Application fees
    • Origination fees
    • Appraisal fees
    • Title search and insurance fees

  • How long does the mortgage refinancing process take?

    The mortgage refinancing process typically takes anywhere from 30 to 45 days. However, this can vary depending on the lender, the type of loan, and other factors.

  • What documents do I need to refinance my mortgage?

    The documents needed to refinance your mortgage typically include:

    • Proof of income
    • Proof of assets
    • Credit score and credit history
    • Tax returns
    • Bank statements
    • Property information

  • What is the difference between a fixed-rate mortgage and an adjustable-rate mortgage?

    A fixed-rate mortgage has an interest rate that stays the same throughout the life of the loan. An adjustable-rate mortgage has an interest rate that can change over time, based on market conditions.

  • Can I refinance my mortgage if I have bad credit?

    It may be possible to refinance your mortgage if you have bad credit, but it can be more difficult and may come with higher interest rates and fees.

  • Can I refinance my mortgage if I'm underwater on my home?

    It may be possible to refinance your mortgage if you owe more on your home than it's worth, but it can be more difficult and may come with higher interest rates and fees.

  • Should I refinance my mortgage with the same lender or a different lender?

    You can refinance your mortgage with the same lender or a different lender. It's important to compare rates and fees from multiple lenders to get the best deal.