Refinance to fit where you are now
Lower your payment, shorten your term, drop mortgage insurance or take cash out. We will show you whether a refinance actually saves you money.
- GOALS
- Lower payment, shorter term or cash out
- BREAK-EVEN
- See how long until savings cover the costs
- PROPERTY
- Primary homes, second homes and investment
Refinance options
Rate-and-term
Change your rate, term or both.
Cash-out
Use your equity for renovations, debt payoff or other goals.
FHA and VA streamline
Simplified refinances for eligible FHA and VA loans.
Remove mortgage insurance
Refinance out of PMI or MIP once you have enough equity.
Investment property
Refinance rentals, including DSCR options.
Program availability, terms and eligibility vary by lender and are subject to underwriting approval.
What you'll need
- Your current mortgage statement
- Homeowners insurance declarations page
- Recent income documents
- Your goal: payment, term or cash out
Refinance break-even
Compare your current and new payment and see how many months until a refinance pays for itself.
Open the calculatorCommon questions
When does a refinance make sense?
When the monthly savings recover your closing costs before you plan to sell or refinance again, or when it meets another goal like removing mortgage insurance.
How much does refinancing cost?
Costs vary by loan and lender. Your Loan Estimate lists every cost, and our break-even calculator shows whether it is worth it.
Can I refinance an investment property?
Yes. Conventional and DSCR options are available for many rentals.
See if a refinance makes sense for you
No obligation, and no credit check for the first conversation. A licensed loan officer will reach out within one business day, or pick a time that works for you.