Refinance your mortgage
A refinance should have a clear reason and a clear payback. We show you both — the monthly savings or cash you’ll receive, the cost to get there, and how many months until it pays for itself.
Start your refinanceReasons to refinance
Lower your payment
Replace a higher rate, or extend your term, to reduce what you pay each month.
Pay off sooner
Move from a 30-year to a 15 or 20-year loan and cut total interest substantially.
Leave an adjustable rate
Lock in a fixed rate before your ARM adjusts and take the uncertainty off the table.
Take cash out
Use your equity for a remodel, tuition, an investment, or to pay off higher-interest debt.
Does refinancing make sense for you?
Enter your current loan and a new rate to test. If you plan to stay in the home longer than the break-even point, the refinance is likely worth a closer look.
Refinance break-even
Closing costs are recovered in about 9 months (0.8 years). New principal & interest: $3,694.
Estimate for illustration only; not a rate quote, loan offer or commitment to lend.
Keep a low first mortgage?
If your current rate is well below today’s market, a home equity line or fixed second mortgage may get you cash without touching it. We’ll compare both paths.
See what a refinance could save you.
The application takes about 15 minutes. A loan advisor will review it and contact you within one business day.