Refinance options: Conventional • FHA • VA • USDA • Jumbo
Refinance to a better fit—lower payment, shorter term, or cash-out.
Compare **APR** and estimated payment in seconds, then apply online. We’ll confirm exact pricing after we review your full profile—no obligation.
Why refinance with us
💸
Lower your monthly paymentRefi to a lower APR or longer term to reduce monthly cash outflow.
⏱️
Pay off fasterMove to a 15-year term for big lifetime interest savings.
💳
Cash-out optionsConsolidate higher-interest debt or fund projects by tapping equity.
Estimated refinance APRs & payments
Updated —
Manual APR Editor
Refinance APRs
Settings
Enter APR % (e.g., 6.75). Saves to this browser. The **APR** shows in cards; **Payment** uses a representative note rate = APR − offset.
**APR** includes typical program costs and may differ from your note rate. Payment shown is **principal & interest only** using a representative note rate (APR minus the offset above). Taxes/insurance/MI not included. All estimates are illustrative, subject to change, and not a commitment to lend.
How a refinance with us works
1
Apply online
Soft-pull pre-qual in minutes. No obligation.
2
Lock + verify
We confirm docs, appraisal (if needed), and lock your rate.
3
Close fast
E-sign most docs and close conveniently.
Refinance FAQs
What’s the difference between APR and interest rate?
APR reflects the cost of credit including certain fees over time; your note rate is used to calculate monthly principal & interest. Our cards show **APR**; we compute payment using a representative note rate (APR minus an offset).
Can I get cash back at closing?
Yes, with a **cash-out refinance** subject to equity, credit, and program limits. We’ll compare cash-out vs. HELOC trade-offs.
Do I need an appraisal?
Sometimes. Streamline refis (FHA/VA) may reduce documentation; conventional/cash-out often require a new valuation.
How fast can we close?
Many refis close in a few weeks depending on appraisal, title, and your responsiveness.
What homeowners say
“Lowered our payment and wrapped in the remodel—smooth process.”
T. Alvarez • San Diego, CA
“Clear numbers and fast responses. Closed right on time.”
K. Smith • Austin, TX
“We shaved years off with a 15-year refi—great guidance.”
R. Patel • Columbus, OH
Disclosures:
APRs shown are sample estimates based on borrower-selected amount and typical assumptions for each program. Your actual APR and terms depend on your credit profile, LTV/CLTV, property type, occupancy, loan purpose, documentation, and current market conditions. Not a commitment to lend. This site is for informational purposes only.