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Mortgage Refinance Process

A step-by-step guide to refinancing your home loan

How Refinancing Works

Refinancing your mortgage can help you lower your monthly payment, reduce your interest rate, or access your home's equity. Here's how the process works:

Evaluate Your Current Situation

Review your current mortgage terms, interest rate, and financial goals to determine if refinancing makes sense.

Get Pre-Approved

Complete our quick pre-approval process to see what rates and terms you qualify for.

Choose Your Loan Program

Select from various refinance options including rate-and-term, cash-out, or streamline refinancing.

Submit Your Application

Complete the full application with required documentation and financial information.

Underwriting & Approval

Our team reviews your application and property to finalize your loan approval.

Closing

Sign your loan documents and complete the refinance process, typically in 30-45 days.

Types of Refinancing

Rate-and-Term Refinance

Lower your interest rate or change your loan term without taking cash out.

• Reduce monthly payments
• Pay off loan faster
• Switch from ARM to fixed rate

Cash-Out Refinance

Access your home's equity to get cash for major expenses or investments.

• Home improvements
• Debt consolidation
• Major purchases

Ready to Refinance?

Calculate Your Savings Get Started Today