← Back to Loan Programs
Refinance
Lower your payments, shorten your term, or access your home's equity with our flexible refinance options.
Why Refinance?
Refinancing replaces your current mortgage with a new one — ideally with better terms. Whether you want to reduce your monthly payment, pay off your home faster, switch from an adjustable to a fixed rate, or tap into your home's equity for renovations or debt consolidation, we'll find the right solution for your goals.
Refinance Options
- Rate & Term Refinance — lower your rate or change your loan term
- Cash-Out Refinance — access your home equity for any purpose
- FHA Streamline Refinance — simplified process for current FHA borrowers
- VA IRRRL — reduced paperwork for existing VA loan holders
- Adjustable to Fixed — lock in a stable payment for the life of your loan
- Debt Consolidation — combine high-interest debts into one lower payment
- Home Improvement — fund renovations using your home's value
General Requirements
Credit Score
620+ (varies by program)
Home Equity
Typically 20%+ for best terms
Debt-to-Income
Up to 50%
Loan Terms
15, 20, or 30 years
Ready To Get Started?
Take the first step toward your dream home. Get pre-approved today and find out what you qualify for.