Homeowners

Refinance

Replace your current mortgage with a new one: to lower the payment, shorten the term, drop mortgage insurance, or change loan type.

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Photo: Adobe Stock (free collection) · Adobe Stock standard license · asset 505006284 · licensed 2026-09-06 under the Chris Does Photos account

Who it's for

Homeowners whose situation or the market has changed since they bought.

How it works

We compare your current loan to the new one: monthly savings, closing costs, and how long until the savings pay back the costs.
If it doesn't make sense, we'll tell you. A refinance that doesn't pay back isn't a good loan.

What you'll need

Current mortgage statement
Income and asset documents
Homeowners insurance declaration

Common questions

How do I know if it's worth it?

Divide the closing costs by the monthly savings. If you'll be in the home longer than that number of months, it pays back. We calculate it for you.

Does refinancing restart my 30 years?

Only if you choose a 30-year term. You can pick a shorter term or make extra payments to keep your original payoff date.

By design this page shows no rates, APRs, payments, or down-payment percentages. Those figures are only published with the full disclosure block required by Regulation Z.

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