It’s easy and straightforward to lower your monthly payment.


Take advantage of today’s low mortgage rates and put more money back in your pockets

  • Refinancing to a lower rate means that you will enjoy a lower monthly payment. That’s more savings for you.
  • Just a small reduction on your mortgage rate can significantly lower your monthly mortgage payment.
  • Refinancing changes the terms of your mortgage which can also save you money in the long-run.

Is Refinancing right for me?


Let us help you save more by reducing your monthly payment and refinancing your home. Talk to a Personal Loan Consultant to discuss your options. Find out how much you can start saving by refinancing your home with our Refinance calculator. Talk to a Personal Loan Consultant to discuss your refinancing options.

Our most popular loan options for refinancing:

A 30-year fixed rate mortgage is the most popular home loan option available. It is ideal for home buyers because of its straightforward structure and its predictable and steady monthly payment. With a 30 year fixed-rate mortgage, it is easy to set your budget because your total payment of principle and interest remain unchanged for the entire term of the loan.

How can a 30 Year Fixed Loan benefit me?

  • Stable and lower monthly mortgage payments
  • Build more equity over time
  • Lock in a low interest rate
  • Most popular loan for new home buyers

Is this loan right for me?

  • First Time Home Buyer
  • Want a consistent mortgage payment throughout the life of the loan
  • Don't expect to move/relocate

An adjustable rate mortgage, also referred to as an ARM or variable rate, is a loan option with a low introductory rate. The interest rate with this mortgage will adjust over time (typically 5 to 7 years). Depending on changes in the financial index associated with your loan, your monthly payment will either increase or decrease.

How can a ARM Loan benefit me?

  • Low initial monthly payments
  • Low introductory mortgage rate
  • Reduce the cost of your mortgage
  • Ability to qualify for a higher loan amount

Is this loan right for me?

  • First Time Home Buyer
  • Flexibility to refinance in the next 5, 7, or 10 years
  • Plan to move in the next 5-10 years
  • Expect future increase in salary
  • Want lower initial mortgage payments

Are you concerned about your qualifying income or credit score? A Federal Housing Administration (FHA) loan is a popular option for home buyers with lower qualifying income, low credit scores or a lack of credit history. FHA loans require a significantly lower down payment (as little as 3.5%) and are easier to qualify for than a conventional mortgage.

How can a FHA Loan benefit me?

  • Low closing costs
  • Lower required down payment (as little as 3.5%)
  • Secured fixed interest rate
  • Lower mortgage insurance premiums
  • Easier to qualify for even with a low credit score or lack of credit history.

Is this loan right for me?

  • If you have credit score concerns or insufficient credit history
  • If you have less than 20% available for a down payment on your home
  • If you are a first time home buyer or are refinancing and needing to finance over 80% of your home
The VA loan is a loan program designed specifically to help you purchase a home with fewer restrictions and with little to nothing down. The Veterans Affairs (or VA) loan is governed by the United States Department of Veterans' Affairs.

How can a VA Loan benefit me?

  • Qualify with a credit score as low as 620
  • Little-to-No money down required (100% financing available)
  • Get a secured fixed rate loan for 30, 20, or 15 year term
  • Get a 5-year adjustable rate mortgage
  • Refinance up to 120% of your home's value
  • Lower or no closing costs
  • No Private Mortgage Insurance (PMI) is required
  • VA loans are governed by the U.S. Department of Veterans Affairs

Is this loan right for me?

  • If you are you a veteran, active-duty service member or a surviving spouse of a veteran
  • If you have credit score concerns or insufficient credit history
  • If you have less than 20% available for a down payment on your home
  • If you are a first time home buyer or refinancer needing to finance over 80% of your home

First Time Home Buyers' Guide


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