Lower your rate. Tap your equity. Reshape your loan.

Rate-and-term refinance

Replace your current loan with a new one at a better rate, a different term, or both. Common goals: lower your monthly payment, shorten your payoff timeline, or move from an ARM to a fixed rate. There's no cash back at closing — the loan pays off the old balance plus closing costs.

Cash-out refinance

Refinance for more than you owe and receive the difference in cash. Common uses: home improvements, debt consolidation, tuition, or investment property purchases. Interest is often tax-deductible when used for home improvements — consult your tax advisor.

When does a refinance make sense?

The classic rule of thumb is a 1% rate drop, but the honest answer is: when your break-even point (the number of months it takes for your monthly savings to recoup closing costs) is shorter than how long you plan to keep the loan. We'll run that math for you before you commit to anything.

How to start

Provide your current loan information and property details. We'll pull current market pricing across dozens of investors, model a few scenarios, and show you a clear comparison — including the break-even analysis.