Refinance
Optimize Your Mortgage

Are you considering a mortgage refinance, but want more information? We've got you covered with refinance terms, insights and answers to your questions to help you make your decision.

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Refinance Loans

Choose from short or long terms, fixed or adjustable rates, cash-out or jumbo loans, and more. No matter what you're looking for, we have a refinancing option that will work for you.

Fixed-Rate Mortgage

Offering home loan stability

A fixed-rate mortgage is a refinancing option for homeowners who value predictability, as the interest rate and monthly payment will never change. Both 15 and 30-year options are available.

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Adjustable-Rate Mortgage

Giving flexibility to borrowers

An ARM allows homeowners to refinance with a lower interest rate that will rise over time. ARMs are great for people who plan to move within a few years or expect more income in the future.

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CONVENTIONAL LOAN

Best for the financially stable

Conventional loans often have lower rates since those who qualify typically have solid income and credit. While numerous options are available, none are backed by the government.

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JUMBO LOAN

For higher priced homes

A jumbo refinance loan is required when the loan amount exceeds the standard conforming loan limit in your area, which is $548,250 in most markets.

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FHA LOAN

More affordable options

FHA refinance loans offer a lower down payment and easier income and credit requirements. They're backed by the government and are designed to make homeownership more affordable.

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VA LOAN

Giving numerous benefits to veterans

A VA refinance is designed to help qualified military members, veterans and their families refinance to a mortgage that fits their needs. No down payment and no PMI required

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USDA LOAN

Find your rural

USDA refinance loans are only eligible in rural areas outlined by the USDA — but many suburban areas qualify. These loans require no down payment and offer 100% financing.

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CASH-OUT REFINANCE

Turn your equity into cash

If your home is worth more than you owe on your mortgage, you've built up equity. A cash-out allows you to turn that equity into cash to use however you want.

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REVERSE MORTGAGE

Learn more about reverse mortgage

A reverse mortgage allows you to convert a portion of your home equity into cash, which you can use to supplement your retirement income or pay for various expenses.

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Refinancing
Tips & Tricks

How Refinancing Works for You

When interest rates are low, refinancing becomes a popular option for many homeowners. Why? Because it's an opportunity to improve your financial situation by lowering your monthly payment, shortening your loan term or turning equity into cash. Watch this quick video for more insight.
 

When Should I Refinance My Mortgage?

Have you had a change, or expect a change, in your personal or financial situation? Have home values gone up? Have interest rates gone down? There are many reasons to refinance, but the best reason is creating lower monthly payments, or significant savings over the life of the loan. And sometimes both.

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Understanding Home Refinance Options

How long do you plan to stay in the home? Do you want to save money over time, or need access to cash now? How you refinance will depend on the reasons why you refinance.

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Why Choose a Cash-Out Refinance?

Cash-out refinancing is an option that allows you to receive part of your home's equity in the form of cash at the same time you refinance your loan. Your new loan will be larger than your current loan, and you can use the money however you want, from paying off high-interest credit cards to affording a college education.

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