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.
Estimate a 30-year payment
$2,212/mo
Principal and interest only. Example inputs; not a rate quote or loan offer.
- Why Refinance
- Rate, term, or cash-out
- Break-Even
- Typically 18-36 months
- Cash-Out
- Up to 80% LTV typical
- Timeline
- 30-45 days to close
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.
- 1
Rate-and-term refinance
Lower your interest rate, change your loan term, or both. Reduces your monthly payment or total interest paid, or both.
- 2
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.
- 3
Streamline refinance
Available for FHA and VA loans, simplified process, reduced documentation, no appraisal required in many cases.
Refinance at a glance
- 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