Benefits
Refinancing your home can help you improve your financial situation in a number of ways, including:
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Obtaining a lower interest rate to reduce monthly payments and potentially save money
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Shortening the term on your mortgage (for example, going from a 30 year mortgage to a 15 year)
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Consolidating multiple higher-interest debts into one easy to manage loan
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Converting your existing mortgage from an adjustable rate to a fixed rate mortgage with stable monthly payments
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Converting multiple mortgages into one mortgage
Our 6 Step Process
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Free Refinance Consultation - We'll meet with you to discuss whether refinancing makes sense for your financial situation.
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Application - Apply for a refinance either online or directly with us. We'll help you decide which program is the best option for you.
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Underwriting - After you've submitted your documents, our underwriters will review your loan and verify all your information. If necessary, we'll order an appraisal to help establish your properties market value.
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Conditional Approval - Our underwriters will issue conditional approval and request any additional items they need to fully approve your loan.
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Final Underwriting - Our underwriter will do a final loan review and issue a final approval. Once complete, you're clear to close.
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Closing - We'll reach out to confirm the date and location of your closing and let you know the amount you'll need to bring with you.
Do's and Don'ts
Do
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Do thoroughly complete your application
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Do respond promptly to questions and requests
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Do disclose all your loans and credit
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Do make yourself available as your closing date approaches
Don't
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Don't co-sign on a loan or lease for anyone
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Don't make major purchases like vehicles, appliances or furniture.
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Don't open any new lines of credit or let your payments fall behind
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Don't move money around or make large deposits in your bank accounts
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don't use large amounts of cash or untraceable money
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Don't make a career change, become self-employed, quit or retire
Refinance Programs
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Conventional Refinance
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Cash-Out Refinance
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Unlimited Jumbo Cash-Out Refinance
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FHA 203(k) Refinance
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FHA Streamline Refinance
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VA Streamline Refinance
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USDA Rural Streamline Refinance