Find the refinance solution for you
Answer a few questions to get a custom match based on your goals.
Finding your refinance opportunity
Match made!
Are you looking for a lower monthly payment?
Refinancing could lower your payment, shorten your loan or do both.
Planning to take cash out?
Your equity can free up cash for home upgrades, debt consolidation & more.
Prefer to keep your current mortgage rate?
A Home Equity Loan lets you borrow without replacing your mortgage.
Is your main goal to pay this mortgage off sooner?
Refinancing to a shorter term could help you save on interest over time.
Fine-tune your results with an equity estimate
Even your best guess can help us suggest a refi solution that fits your needs.
Home Equity Loan
This option's a strong fit for your goals and does not affect your current mortgage rate.
Why it works for you
The basics
- Fixed rate
- Clear payoff timeline
- Primary mortgage rate unaffected
Key benefits
- Faster access to cash
- Predictable payments
- Often lower rates than personal loans
Things to consider
- Single payout structure
- Separate monthly payment
- Secured by your home
Cash-out refinance
This option’s a strong fit for your goals and could save you money on interest.
Why it works for you
The basics
- Replaces current mortgage
- One combined payment
- New rate and loan terms
Key benefits
- Access a larger sum
- Simplified finances
- Rates often lower than personal loans
Things to consider
- Resets mortgage with new terms
- Your rate will likely change
- Value increases the longer you stay
Rate & term refinance
This option’s a strong fit for your goals and could save you money on interest.
Why it works for you
The basics
- Replaces current mortgage
- Fixed or adjustable rate
- Clear payoff timeline
Key benefits
- Lower monthly payments
- Option for earlier payoff
- Could save on interest over time
Things to consider
- Resets mortgage with new terms
- Your rate will likely change
- Not for taking cash out
Change my answers
Are you looking for a lower monthly payment?
Planning to take cash out?
Prefer to keep your current mortgage rate?
Is your main goal to pay off the mortgage sooner?
Fine-tine your results with an equity estimate?
Every option in perspective
Explore ways to give your mortgage an upgrade, including equity solutions.
Rate & term refinance
New mortgage with better rate, lower payment, or shorter term.
Best for
Getting a new rate, payment, or changing terms
Rate type
Flexible
Credit score
580+
Key benefits:
- Lighter payments
- New rate locked in
- Pay off your mortgage faster
Why this works for you
Lighter payments New rate locked in Pay off your mortgage faster
Cash-out refinance
Replaces current mortgage with one that includes your cash-out amount.
Best for
Take cash out and get a new rate
Rate type
Fixed
Credit score
620+
Key benefits:
- Access to cash
- Financial refresh
- Rate upgrade
Why this works for you
Access to cash Financial refresh Rate upgrade
Home Equity Loan
A separate loan alongside your current mortgage.
Best for
Access equity without changing your mortgage
Rate type
Fixed
Credit score
680+
Key benefits:
- Use funds your way
- Keep your rate as is
- Fixed monthly payments
Why this works for you
Use funds your way Keep your rate as is Fixed monthly payments
