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Replace your existing mortgage with a new loan to lower your rate, reduce monthly payments, shorten your term, or access your home equity through cash-out refinancing.
Refinancing is right for you if you can lower your interest rate by at least 0.5-1%, want to switch from an adjustable to a fixed rate, need to access home equity through a cash-out refinance, or want to shorten your loan term to build equity faster.
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Min Credit Score
620+
Max LTV
97%
Max DTI
45%
Loan Limits
Same as the loan type you are refinancing into
PMI / MIP
Depends on new loan type and current equity position
Occupancy
Primary, secondary, or investment property
We analyze your current mortgage terms, compare them against today's rates, and calculate your potential savings to determine if refinancing makes financial sense.
Complete the refinance application with updated income documents, bank statements, and your current mortgage statement. We order a new appraisal to determine current home value.
The underwriter reviews your financials, the new appraisal, and your current mortgage payoff amount. Conditional approval is issued with any remaining items.
Sign your new loan documents and your old mortgage is paid off. For cash-out refinances, you receive your equity proceeds typically within 3 business days after closing.
This information is not intended to be an indication of loan qualification, loan approval or commitment to lend. Rates, terms, and availability of programs are subject to change without notice.
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Apply online in minutes or call us to speak with a loan advisor about your Refinance options.
This information is not intended to be an indication of loan qualification, loan approval or commitment to lend. Rates, terms, and availability of programs are subject to change without notice.
These FAQs are generated with AI assistance and reviewed periodically. For personalized advice about your specific situation, please call us or apply online.