Refinance Loans
Lower your rate or tap your equity
Program Overview
What is a Refinance Loan?
Refinancing* replaces your current mortgage with a new one — typically to lower your rate, reduce your monthly payment, shorten your loan term, or access your home's equity in cash.
Whether rates have dropped, your credit has improved, or you need cash for home improvements, education, or debt consolidation, our refinance specialists will run the numbers and show you exactly what makes sense.
*By refinancing an existing loan, total finance charges may be higher over the life of the loan.
Key benefits
Why Borrowers choose this loan?
Lower Your Rate
Reduce your interest rate and save thousands over the life of the loan.
Cash-Out Equity
Tap home equity for renovations, education, or debt consolidation.
Shorten Your Term
Move from a 30-year to a 15-year and own your home faster.
Remove PMI
Eliminate private mortgage insurance once you have 20% equity.
Streamline Options
FHA, VA, and USDA streamline refinances skip much of the paperwork.
Consolidate Debt
Pay off high-interest credit cards with low-rate mortgage funds.
eligibility
Do you Qualify?
Every borrower's situation is unique. Below are typical guidelines. Our loan officers will review your specific scenario and confirm eligibility quickly.
✔ Currently own a home with a mortgage (or own free and clear)
✔ Credit score of 620+ for most programs
✔ Sufficient home equity (typically 20% for cash-out)
✔ Stable income and employment history
✔ Loan-to-value ratio that meets program guidelines
