Replace your current mortgage with a new one for better terms or taking cash out

Loan Programs > Refinance

Refinancing Quick Facts

0% Down
Minimum Down Payment
0 Credit
Minimum Credit Score
0% DTI
Max Debt-to-Income Ratio

What is Refinancing?

Refinancing is the process of paying off your existing mortgage and replacing it with a new mortgage to reduce interest rates, loan terms, monthly payments, or receive cash equity. Refinancing is also an option for those with a primary and a secondary mortgage who wish to pay them both off in order to replace them with one single mortgage.

What are the benefits refinancing?

Refinancing offers the following benefits:

  • Ability to reduce monthly payments or interest rates
  • May allow mortgage to be paid off sooner
  • Receive cash equity for the loan difference to pay for home improvements or other large expenses
  • Those with an ARM may get another with better terms, or convert to a fixed-rate mortgage

Who may benefit from refinancing?

Refinancing may the right fit for you if:

  • You need cash from the equity in your home
  • You’d like a lower interest rate or monthly payment
  • You’d like to adjust your loan terms to pay your home off sooner or stretch out payments over a longer period of time

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Refinance are available in: All States

Is Refinancing right for you?

Select your type of mortgage review to get started:

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Purchase Options

What’s my best mortgage option for financing the purchase of a new home?

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Current Mortgage

Should I refinance my current mortgage now for better terms or cash out?

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2nd Opinion

I got my loan estimate from a different company. Am I getting a good deal?

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Loan Denial

Another lender denied me. What are my options at this point? Can you help?

Some loan programs may not be offered by all featured lenders of and qualification guidelines may vary between them. Our team makes their best effort to keep loan program information up to date. Loan programs may change without warning. does not guarantee or offer any loan products. is strictly an educational resource hub for consumers. Due to COVID-19, certain loan product qualification guidelines have changed due to investor restrictions. Please reach out to our featured lender for your state to ensure the product you see is available as described.