Time to refi?
Refinancing could get you a lower payment.

Breathing room starts here.

Why Refi?

Learn about the advantages of refinancing your loan.

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  • Secure a Lower Interest Rate
    You may be able to cut your monthly payment by refinancing to a mortgage with a lower interest rate.
  • Shorten Your Mortgage Term
    Refinancing to a shorter mortgage term puts more of your payment to the principal balance, reduces interest payments, and could help you pay off your mortgage earlier.
  • Lock in a Fixed Rate
    If you currently have an adjustable-rate mortgage (ARM), you may consider refinancing to a fixed rate mortgage to avoid fluctuations in your payments.
  • Finance a Large Purchase
    Use your home equity to finance your large purchase. Interest rates are usually lower than credit cards and home equity interest payments are usually tax deductible (consult your tax advisor).
  • Consolidate Debt
    Get cash to pay off your higher-interest debt, like from credit cards..
  • Check Out the Refinance FAQ
    You have questions. We have answers. Check out our Refinancing FAQ to see if refinancing is right for you.

Know More

Check out loan calculators, videos, tips, and articles to ensure you're up to speed.

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Get Pre-Approved

Fill out a Pre-Approval form and start searching with confidence.

Get started
  • Determine what you can afford and focus your house-hunting efforts
  • Demonstrate to the seller that you have taken the initial steps to obtain a home loan which can be an advantage over other offers
  • Eliminate surprises; sometimes the pre-approval process can uncover minor issues that are easy to fix and help you get started on the right foot
  • It's free, takes just a few minutes and there's no obligation
  • Apply now!

USDA Streamline Refi

Refinance your existing USDA loan with fewer requirements.

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The USDA Streamlined-Assist Refinance loan allows homeowners to refinance an existing USDA loan with fewer borrower qualification requirements than a traditional refinance making it easier than ever before. The USDA is also lowering the funding fee as of Oct 1, 2016 which creates a unique opportunity for savings when combined with today’s historically low interest rates. To learn more about this loan program, click here.

 

To calculate your debt-to-income ratio, add up all your monthly debt payments and divide them by your gross monthly income.

Private Mortgage Insurance (PMI) is a policy which protects lenders or investors from possible loan default and is determined based on the loan to value ratio of the loan in question.