A free, no-obligation review of your current mortgage — whether you want a lower payment, cash for a project, or to drop PMI.
A short message from Jed — see the matching script in the video-scripts guide.
Every situation is different — here's what we'll help you figure out.
A rate-and-term refinance can restructure your loan to reduce your monthly obligation, depending on current terms and your qualifications.
Use built-up equity for debt consolidation, home improvements, education costs, or other major expenses.
If your home's value has grown, you may have enough equity to refinance out of private mortgage insurance.
Move from a 30-year to a 15- or 20-year loan to build equity faster and pay less interest over time.
Move from an adjustable-rate to a fixed-rate loan for predictable payments, or explore other program options.
If refinancing doesn't make sense for you right now, we'll tell you that too — and let you know what would need to change.
Lower payment? Cash out? Shorter term? Start with the form below.
We review your current loan, rate, and equity position.
Compare real scenarios side by side, with no pressure.
We keep you updated through funding.
Refinancing typically involves closing costs similar to a purchase loan, which can sometimes be rolled into the new loan. We'll give you a full breakdown so you can compare the cost against the benefit before deciding anything.
Timelines vary based on documentation, appraisal scheduling, and underwriting, but many refinances close within a few weeks of a complete application. We'll give you a realistic timeline for your situation.
Not always — it depends on your current rate, loan balance, term, and today's market. That's exactly why we run the numbers first, before you commit to anything.
Generally, cash-out refinance proceeds are loan proceeds, not income — but tax treatment can depend on how funds are used and your individual situation. This isn't tax advice; we'd recommend confirming details with a tax professional.
It depends on the loan program. There are refinance options across a range of credit profiles — the best way to know where you stand is a quick conversation.
Tell us your goal and we'll follow up with your options.