Refinance hubEvery refinance path, priced and explained.
Pick the goal — lower payment, cash for renovations, debt payoff, or a faster payoff. We'll model the break-even before you commit.
Choose by goal, not by product name
Rate & Term Refinance
Replace your current loan with a lower rate or shorter term. No cash out, lowest fees, fastest underwriting.
Cash-Out Refinance
Borrow against home equity for renovations, debt payoff, or investment. Up to 80% LTV (85% FHA, 90% VA).
FHA Streamline Refinance
Refinance an existing FHA loan with reduced documentation, no appraisal in most cases. Net tangible benefit required.
VA IRRRL
Interest Rate Reduction Refinance Loan for existing VA borrowers. No appraisal, no income docs in most cases.
Debt Consolidation Refi
Roll high-interest credit cards or personal loans into your mortgage. Compare blended rate vs. total interest.
HELOC vs. Cash-Out
Line-of-credit flexibility vs. fixed-rate certainty. We model both side-by-side before you commit.
Investment Property Refi
Rate/term or cash-out on non-owner-occupied properties. Higher reserves and stricter LTV apply.
Jumbo Refinance
Loan amounts above conforming limits. Portfolio underwriting with custom rate-buy-down options.
Four factors that decide if a refi makes sense
Total closing costs ÷ monthly savings = months to recoup. If you'll move before then, refinancing may not pay off.
Most cash-out refis require 6–12 months of ownership. VA IRRRL needs 210 days from first payment. We auto-check your eligibility.
Cash-out caps at 80% conventional, 85% FHA, 90% VA. Higher LTV = higher rate adjustments.
Streamlines have lenient credit thresholds. Cash-out and consolidation refis require full re-qualification.
All scenarios are preliminary and subject to borrower qualification, credit review, income verification, property approval, program guidelines, lender overlays, and licensed loan officer review.