Secure Your Best Home Refinance Loan Rate Today
Stop overpaying! Our proprietary system instantly compares rates from over 30 top lenders, saving our average client **$420 per month.** Trusted by over 10,000 homeowners.
Compare The Most Popular Home Refinance Loans
Rate-and-Term Refinance
Focus: Lowering payments & changing loan length.
- Ideal for getting a lower interest rate.
- Can shorten or lengthen your mortgage term.
- Minimal closing costs compared to cash-out options.
Cash-Out Refinance
Focus: Accessing home equity for large expenses.
- Allows you to take tax-deductible cash out.
- Common uses: home improvements or debt consolidation.
- Requires a minimum of 20% equity remaining.
FHA Streamline & VA IRRRL
Focus: Government-backed loans for existing holders.
- Faster process with less underwriting required.
- VA loans offer a 100% financing option.
- We specialize in these specific government programs.
When is the right time to refinance my home?
Generally, the best time to refinance is when you can reduce your interest rate by at least **0.75% to 1.0%** (the "break-even point" rule of thumb). However, you should also consider refinancing if you need to switch from an Adjustable-Rate Mortgage (ARM) to a stable Fixed Rate, or if you need cash-out for a major expense. Always calculate your closing costs versus your monthly savings to determine your true benefit.
Our Simple 4-Step Refinance Process
Get Your Quote
Enter simple info to instantly compare rates from 30+ lenders. No commitment.
Connect with an Expert
A licensed expert reviews your options and secures your preliminary rate lock.
Appraisal & Docs
We manage the home appraisal and gathering of all necessary documentation.
Closing & Savings
Sign the final documents and begin enjoying your lower monthly payment.
