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Watch a short overview of how refinancing works.
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Refinance Your Home
Refinancing can help you change your payment, loan term, loan type, or overall mortgage strategy - but the question is whether the new loan improves your situation.
Whether you want to lower your payment, access equity, remove mortgage insurance, or compare options, this page will help you get oriented.
Start here
A simple way to begin if you're trying to decide whether refinancing makes sense.
Estimate
Compare your current loan with possible new loan terms.
Open calculator
Understand
Read a simple guide to learn what happens before and after you apply.
Read guide
Move forward
Ready to see whether a refinance fits? Start here.
ApplyAlso explore
Featured videos
Helpful videos about refinancing, mortgage payments, equity, interest rates, loan terms, and common refinance mistakes.
Plan your refinance
Before refinancing, compare the new loan with the loan you already have.
Refinance calculator
Compare your current loan with possible new loan terms.
Open calculatorPayment calculator
Estimate how rate, term, and loan amount affect payment.
Open calculatorHome equity calculator
Estimate available equity if cash-out or debt consolidation is part of your goal.
Open calculatorAffordability calculator
Useful if your refinance is connected to buying another home or changing your housing budget.
Open calculatorCan I qualify?
Refinance approval depends on your income, credit, debts, property value, available equity, and loan purpose.
Featured qualification topic
Can I Qualify If Recently Divorced?
Learn how divorce can affect mortgage qualification, including credit separation, joint debts, refinancing the marital home, owelty deeds, support income, and buying before divorce is final.
More qualification topics
- Can I Qualify With Credit Card Debt? Learn how credit card debt affects mortgage qualification, including debt ratios, minimum payments, credit utilization, and options for paying down debt before applying.
- Can I Qualify With Poor Credit? A Few Words About Credit Scoring Learn how credit reports and credit scores work, what factors affect your FICO score, and why the mortgage credit score may differ from scores you see from other sources.
- Can I Qualify With Poor Credit? Learn whether your credit score may be high enough to qualify for a mortgage and how bankruptcies, foreclosures, judgments, tax liens, and other credit issues can affect eligibility.
More ways we can help
Some refinance options are designed around a specific goal or situation. If one of these fits what you are trying to do, the linked page may ask a few questions or invite you to request more information.
Could a VA streamline refinance lower your payment?
If you have a VA loan, a streamlined refinance may help lower your payment or improve your loan terms. Take the quiz to estimate whether this option may fit.
Take the quizCould an FHA streamline refinance lower your payment?
If you have an FHA loan, a simplified refinance may help lower your rate or monthly payment. Take the quiz to see whether a streamline refinance may be worth exploring.
Take the quizHelpful articles
More reading if you want to go deeper.
- Canceling Private Mortgage Insurance Learn when private mortgage insurance may be canceled, how borrower-requested and automatic PMI cancellation work, and why FHA mortgage insurance follows different rules.
What clients say
“Over many years Steve has helped us on financing homes and refinancing homes, and he is excellent! He has made this the best experience we have ever had in decades of home ownership. Steve is meticulous, expedient, respectful, and explains things very carefully. He knows this business inside and out, and can handle the loops and goofs that mortgage companies and title companies throw at you. If you choose him, you will be very pleased!”
— Bron and Chris C.
From the kitchen
Because life is not all mortgages. Click on a recipe card to enlarge and print it.
Crock Pot Chicken Stew
Peaches and Cream Popsicles
Ready to move forward?
If you want to find out whether refinancing fits your situation, the next step is simple.
Have a question? Use the chat icon in the bottom right - we’re here to help.