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Watch a short overview of how refinancing works.
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Refinance Your Home
Refinancing can help you change your payment, loan term, loan type, or overall mortgage strategy - but the question is whether the new loan improves your situation.
Whether you want to lower your payment, access equity, remove mortgage insurance, or compare options, this page will help you get oriented.
Start here
A simple way to begin if you're trying to decide whether refinancing makes sense.
Estimate
Compare your current loan with possible new loan terms.
Open calculator
Understand
Read a simple guide to learn what happens before and after you apply.
Read guide
Move forward
Ready to see whether a refinance fits? Start here.
ApplyAlso explore
Featured videos
Helpful videos about refinancing, mortgage payments, equity, interest rates, loan terms, and common refinance mistakes.
Plan your refinance
Before refinancing, compare the new loan with the loan you already have.
Refinance calculator
Compare your current loan with possible new loan terms.
Open calculatorPayment calculator
Estimate how rate, term, and loan amount affect payment.
Open calculatorHome equity calculator
Estimate available equity if cash-out or debt consolidation is part of your goal.
Open calculatorAffordability calculator
Useful if your refinance is connected to buying another home or changing your housing budget.
Open calculatorCan I qualify?
Refinance approval depends on your income, credit, debts, property value, available equity, and loan purpose.
More ways we can help
Some refinance options are designed around a specific goal or situation. If one of these fits what you are trying to do, the linked page may ask a few questions or invite you to request more information.
What clients say
“We have worked with Steve Bray on a mortgage finance, and a refinance. Steve has proven to be a knowledgeable real estate professional that understand the market, and rate fluctuations. Steve provides educational videos that explain how he expects the market to react, and explains his reasoning in layman terms. Steve provides great advice on when to lock in rates, and what the risk of locking in too early, or waiting are. Steve let us know what was needed, and when. Steve explained the process of financing, and refinancing our mortgage. We knew what to expect along the way, and how long the process should take. Steve is easy to get along with, and responded to inquiries in a time frame that was often sooner than I expected.”
— Don and Laura M.
From the kitchen
Because life is not all mortgages.
Ready to move forward?
If you want to find out whether refinancing fits your situation, the next step is simple.
Have a question? Use the chat icon in the bottom right - we’'e here to help.
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