Relax into a new rate & lighter payment
Could save over time with a new rate
Explore lower monthly payment options
Change your loan term to match goals
The ins & outs of rate and term refis
Key benefits
Lower monthly payment
Refinance to a better rate or adjust your term to get a lighter payment,
Upgrade your terms
Go longer for breathing room or shorter to pay less interest overall.
Lock a new rate
Move into a rate that brings stability now and possible savings over time.
What's required
Equity matters
Most loans require a minimum equity level. We’ll always confirm what you need.
Financial review
Expect a quick check of your credit, income, and current debts.
Closing costs
Expect 2–5% of the loan amount in closing costs, often rolled into the new loan.
Explore, compare, find the right fit
Best for
Closing cost
Credit score
Rate-and-Term refi
Rate-and-Term refi
Best for
Lowering rate, payment, or changing term
Closing cost
2%–5% of the loan amount
Credit score
580+
Best for
Take cash out and get a new rate
Closing cost
2%–5% of the loan amount
Credit score
620+
Cash-out refi
Cash-out refi
Best for
Lowering rate, payment, or changing term
Closing cost
2%–5% of the loan amount
Credit score
580+
Best for
Take cash out and get a new rate
Closing cost
2%–5% of the loan amount
Credit score
620+
Rate-and-Term refi
Cash-out refi
Best for
Lowering rate, payment, or changing term
Take cash out and get a new rate
Closing cost
2%–5% of the loan amount
2%–5% of the loan amount
Credit score
580+
620+
Questions? We’ve got answers.
We know you have questions, and we’re here to answer them.