Looking to refinance your current mortgage?
Refinancing your mortgage is a significant decision, and several factors determine whether it’s the right choice for you.
We’ve created a simple, easy-to-use refinance checklist to guide you through the process. Download it now and take the next step with confidence.
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Standard Refinance Options
Rate-and-Term Refinance
Cash-Out Refinance
Streamline Refinance
Reduce or Remove PMI
This is the most common type, where you change the interest rate, loan term, or both. The goal is to reduce monthly payments, shorten the loan term, or switch from an adjustable-rate mortgage (ARM) to a fixed-rate mortgage (FRM) or vice versa.
You take out a new mortgage for more than you owe on your current home loan and pocket the difference. This is often used for home improvements, debt consolidation, or other expenses.
For borrowers with government-backed loans (like FHA, VA, or USDA), streamline refinances can offer lower rates with reduced paperwork. They often don't require appraisals or income verification.
Option aimed at eliminating or lowering your PMI payments. PMI is typically required if your down payment was less than 20% when you first bought your home. However, once your loan-to-value (LTV) ratio drops below 80%, you may be able to remove
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