Refinance now, thank yourself later

Navigate the refinance process confidently with our personalized assessment on closing costs, term options, and the specific benefits for your financial circumstances.

Talk to a refinance expert

Why refinance your home?

Shorten the Loan Term

Spend fewer years repaying your loan while building equity faster and saving more overall

Lower interest and payments

Lower your costs each month while freeing cash to handle expenses and plan for the future

Tap into home equity

Release the wealth stored in your property while maintaining ownership and enjoying your home

We do more than one type of refinance.

Rate & Term Refinance

Reduce your interest rate, change your loan term, or both

Cash-Out Refinance

Tap into your home’s equity and get cash in hand

FHA Streamline Refinance

Simplified process for current FHA borrowers(no appraisal in most cases!)

VA IRRRL

Fast and easy option for eligible veterans with a current VA loan

Do you qualify for a refinance?

Check your eligibility

Property Requirements

The home must be your primary residence, second home, or investment property, depending on the loan type.
Your home’s current value (based on an appraisal) helps determine eligibility and potential savings.
You typically need at least 3–5% equity for a rate-and-term refinance and 20% equity for a cash-out refinance.

Credit requirements

Most lenders require a credit score of 620+ for conventional refinances.
FHA and VA streamline refinances may allow for lower scores with recent on-time payment history.
You’ll need consistent, on-time mortgage payments for the past 6–12 months.

Income & Financial Requirements

Your debt-to-income ratio (DTI) should generally be below 43% for most loans. FHA/VA may allow higher DTI with strong compensating factors.
Lenders will review your income stability, usually verifying at least 2 years of employment or self-employment.
If you’re doing a cash-out refinance, lenders may require higher credit and equity thresholds.

Our refinance process

01

Connect with a loan expert

We’ll review your current mortgage, financial goals, and credit to help you choose the right refinance strategy.

02

Apply with support

We’ll help you submit your documents and secure the best rate and program from our network of 30+ wholesale lenders.

03

Close with confidence

Enjoy transparent updates and guidance from start to finish — and celebrate better payments or cash-in-hand.

FAQ’s

Find answers to common questions about refinance and refinance application process.

Talk to a refinance expert

What is refinancing and why should I do it?

Refinancing is replacing your current mortgage with a new one. You might refinance to lower your rate, reduce your payment, switch loan terms, or tap into equity.

When is a good time to refinance?

You'll typically need:
1. A steady income and solid credit score (mid-600s or higher for most conventional loans)
2. Enough equity in your home — usually 20% or more for cash-out
3. A low debt-to-income ratio (below 45% is ideal)

Does refinancing cost money?

Yes, there are closing costs — usually 2%–5% of the loan amount. We can roll some or all of that into your loan if desired.

What are my options if I have an FHA or VA loan?

We offer streamlined programs like FHA Streamline and VA IRRRL that require less paperwork, no appraisal, and faster closings.

How much cash can I take out in a refinance?

Depending on your equity, credit, and the program, you can usually borrow up to 80% of your home’s value.

Can I refinance if my home value has dropped?

Possibly. Some programs — like FHA Streamline — don’t require an appraisal. We’ll help you explore options. 

Is refinancing worth it if my rate isn’t that high?

It depends! Even a small drop in rate could save you thousands over time. We’ll help run the numbers so you can decide.

Ready to Refinance?

Check your eligibility in just 30 seconds.

Talk to a refinance expert