Refinance smarter — for a lower payment or cash in hand.
A refinance replaces your existing mortgage with a new one — ideally at a better rate, term, or structure. Whether you want to reduce your monthly payment, pay off your loan faster, remove PMI, or pull cash out for a remodel or debt consolidation, we'll model the true break-even so the decision is obvious.
- Homeowners whose rate is 0.75%+ above current market
- Anyone paying PMI on a conventional or FHA loan
- Owners with high-interest credit card or personal debt
- Homeowners planning a remodel or ADU build
What makes refinance options a smart choice.
Swap into a lower rate or shorter term to save tens of thousands over the life of the loan.
Tap up to 80% of your equity for renovations, debt consolidation, or an investment property.
Refinance out of an FHA loan into a conventional loan once you have 20% equity.
FHA and VA streamlines skip most documentation and appraisal requirements.
The numbers at a glance.
Guidelines vary by lender and borrower profile — these are typical parameters. We'll run your exact scenario in minutes and give you a straight answer.
Talk to a Loan Officer| Rate & term LTV | Up to 95% |
| Cash-out LTV | Up to 80% on primary residences |
| Minimum FICO | 620+ (580+ FHA streamline) |
| Typical closing | 21–30 days |
| Appraisal | May be waived on qualifying refis |
| Break-even analysis | Included free with every quote |
Simple, transparent, on time.
- 1Consult
We learn your goals and review your options.
- 2Pre-Approve
Full underwrite in 24–48 hours.
- 3Shop & Lock
Shop with confidence, lock your rate.
- 4Close & Fund
Close on time — often 21 days or less.
Questions, answered.
When does a refinance make sense?+
The classic rule is a rate improvement of 0.75% or more, but with today's high home values a cash-out refi may make sense at nearly any rate if it retires higher-interest debt.
How much equity do I need?+
Most rate & term refis need 5% equity; cash-out refis need at least 20% equity remaining after the transaction.
Will a refinance reset my 30-year clock?+
By default, yes — but we can quote 20 or 15-year terms so you don't extend your payoff date.
How long does it take?+
Most refinances close in 21–30 days. Streamlines can close faster.