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Refinance

Lower payments.
Save thousands.

Clear, easy & affordable refinancing from the comfort of your home.

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No-impact credit check. No commitment.
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Get started

Take 5 minutes to complete our online application and we’ll match you to the best mortgage for your goals.

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No-impact credit check. No commitment.
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Customize Your Options

We’ll schedule a quick phone call with one of our expert loan advisors to help ensure that we’re building the mortgage that’s perfect for you.

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Enjoy Your New Savings

Your dedicated loan officer will provide personalized support to help you help you lower your payments quickly and confidently from the comfort of home.

Rate/Term Refinance

Pay less per month or less over time.

‍Pay less per month, or pay less interest over the life of your loan, or do both! We’ll walk you through your best options.*If you refinanced today, you could possibly save up to $1,500.

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HELOC

Make renovations or cover expenses.

Lower monthly payments and lower interest rates make renovating your home actually possible. (That’s how we do Lower.)

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Cash-Out Refinance

Pay off credit cards or other high-interest debt.

Interest rates on credit cards and personal loans can be 5x higher than mortgage rates. Instead of paying that high interest, start with a lower rate for all of your payments.

Access my equity
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Shop around. No credit check until you’re ready to refinance.

Your credit is important, so we don't do a hard pull until you're absolutely ready. (And we'll always ask for permission when we do.)

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See Full Details

And refinance for free.
For life.*

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No lending fees

Buy or refinance once and pay absolutely no lending fees again—that’s $1,500+ savings every time.

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Worry free

Buy now or refinance now and know you can lower your rate later with peace of mind.

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Refinance Resources

Learn more about Refinancing

Our educational guides are produced according to our team's editorial standards and can help you learn more about the refinancing process.

Timing

How Soon After Buying How Often You Can Refinance How Long It Takes
When to Refinance Seasoning Requirements Refinancing an FHA Loan

Qualifying

Credit Score Equity Documents
Refinancing With Bad Credit Does It Hurt Your Credit? Do You Need an Appraisal?

Types of Refinance

Rate and Term Refinance Cash-Out Refinance Cash-In Refinance
Streamline Refinance 30-Year to 15-Year ARM to Fixed Rate
FHA to Conventional Refinance to Remove PMI Loan Modification vs. Refinance

Costs and Situations

Refinancing After a Divorce Closing Cost Breakdown Mortgage Recast vs. Refinance
Second Mortgage vs. Refinance HELOC vs. Cash-Out Refinance Refinance Break-Even Calculator

Refinance what you owe and save thousands.

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