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Home Refinancing
Your mortgage is working for someone. Make it you.
Refinancing replaces your existing mortgage with a new one — lower rate, shorter term, or access to equity you've built. One conversation could change what you pay every month.
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What It Is
A better mortgage replaces your current one.
Refinancing means paying off your current mortgage with a new one — ideally on better terms. The three most common reasons to refinance are: lower your interest rate, shorten your loan term, or access the equity you've accumulated as cash.
A refinance isn't right for everyone in every market. Donna runs the numbers honestly — break-even analysis, total cost comparison, long-term savings — so you make the decision with full information, not a sales pitch.
Who It's For
- Homeowners with rates significantly above current market
- Buyers who purchased when rates were high and want to reduce their payment
- Investors wanting to pull equity out to fund the next acquisition
- Homeowners wanting to eliminate PMI by reaching 20% equity
- Anyone on an adjustable-rate mortgage wanting to lock into a fixed rate
How It Works
01
Rate-and-term refinance
Lower your interest rate, change your loan term, or both. Reduces your monthly payment or total interest paid — or both.
02
Cash-out refinance
Replace your mortgage with a larger one and take the difference as cash. Use equity to fund investments, renovations, or business capital.
03
Streamline refinance
Available for FHA and VA loans — simplified process, reduced documentation, no appraisal required in many cases.
Refinance Quick Facts
- No-obligation rate analysis available — know before you commit
- Cash-out up to 80% of home value on most programs
- Close in 30–45 days
- Closing costs can often be rolled into the new loan
- Break-even typically 18–36 months depending on savings