Lower your rate
A rate-and-term refinance can reduce your interest rate and monthly payment without changing your loan balance.
Refinance Programs
Refinance on your terms.
Lower your monthly payment, pay off your home faster, or turn equity into cash. We'll show you the break-even math up front so you can decide with clarity.
Refi at a glance
Rate-and-term APR6.29% APR*
Cash-out APR6.59% APR*
Cash-out up to80% LTV
Avg. close time21 days
Get my refi quote
Three ways to refinance
Pick the goal that fits your life
Shorten your term
Move from a 30-year to a 15- or 20-year loan to build equity faster and save significantly on total interest.
Take cash out
Tap your equity for renovations, debt payoff, or major expenses by refinancing into a larger loan and pocketing the difference.
No-pressure math
We show your break-even before you commit
Refinancing has costs. We calculate exactly how many months it takes for your monthly savings to outweigh those costs — so you only refinance when it truly pays off.
- Transparent cost breakdown. Every fee, itemized, before you sign anything.
- Side-by-side comparison. Your current loan versus the new one, in plain numbers.
- Honest advice. If refinancing won't help, we'll tell you.
How it works
From quote to closing in about three weeks
Tell us your goal
Lower payment, shorter term, or cash out — share your current loan details and we'll pull a custom quote.
Review the break-even
We model your new payment, total cost, and the month your savings overtake your closing costs.
Lock & close
Lock your rate, e-sign your docs, and close — often in around 21 days, on your schedule.
Estimate
Estimate your new payment
See what your principal & interest could look like after refinancing.
$
Excludes taxes and insurance. Closing costs affect your true break-even — we'll itemize them in your quote.
Estimated monthly (P&I)
$2,165
New loan amount$350,000
Total interest$429,548
Total of payments$779,548
Refi questions
Good to know
Typically when you can meaningfully lower your rate, you want to change your term, or you need to access equity — and you plan to keep the home past the break-even point. We'll calculate that point for you so the decision is clear.
Most cash-out refinances let you borrow up to about 80% of your home's value, minus what you still owe. On a $500,000 home with a $300,000 balance, that's up to roughly $100,000 in cash, depending on your profile and loan type.
Refinance closing costs typically run a few percent of the loan amount and may include appraisal, title, and lender fees. We itemize every cost in your quote and factor it directly into your break-even analysis — no surprises.
Get started
See if refinancing pays off for you
Get a free refinance quote with a full break-even analysis. No obligation, no pressure.