Refinance

Lower your rate or tap your equity with a smart refinance strategy tailored to your goals.

When a Refinance Makes Sense

A refinance replaces the loan you have with a new one. It is worth doing when the new rate, term or cash-out covers the closing costs within a period you are comfortable with, and we show you that break-even month before you commit.

Rate-and-term refinances lower the payment or shorten the loan. Cash-out refinances turn part of your equity into funds for renovations, debt consolidation or an education.

What We Compare for You

Your current payment against every new option
The month your savings overtake the closing costs
Cash-out amounts at 80% of your home value and below
Whether a shorter term saves more than a lower rate

At a Glance

The headline requirements for this program. Your loan officer confirms the exact figures for your situation.

Minimum Down Payment

None: a cash-out refinance keeps at least 20% equity

Credit Score

620 or higher, 640 for most cash-out loans

Loan Terms

Restart at 10 to 30 years, or match your remaining term

Best For

Owners who want a lower payment, a shorter term or cash from equity

Get Pre-Qualified

Ready to start?

Pre-qualification takes 3 minutes – no credit impact, no commitment.

Begin Pre-Qualification

Explore Other Loan Programs

One application, every program: your loan officer prices each option side by side.

Purchase

First home or fifth – we find the best purchase loan for your situation. Low down payment options available.

FHA Loans

Government-backed loans with as little as 3.5% down, ideal for first-time buyers.

VA Loans

Exclusive zero-down financing for veterans and active-duty service members.

View All Loan Programs