Traditional Refinance

A Traditional Refinance is also known as a Rate and Term refinance. This is the loan if you just want a lower interest rate or change the term of your loan.

The benefits of a Traditional Refinance:

1. Lower your rate and lower your payment
2. Shorten your term to pay off your loan faster
3. Match your loan balance and term so you don’t start over
4. Limited Cash-out which allows you to get $5000-$10,000 back
5. We usually don’t need an appraisal making closing costs lower

Cash-Out Refinance

A Cash-Out Refinance allows you to increase your loan amount so you can get cash in hand to accomplish your goals.

The benefits of a Cash-Out Refinance:

1. Consolidate debt to save $500, $1000 or even $2000 per month
2. Get enough to do a home improvement project
3. Pay Tuition
4. Buy a Car
5. Wrap up your needs into one low monthly payment

If you are ready to discuss refinancing your home, then press "Refinance" below.

We do not pull your credit until after you've seen our rates and you are certain you want to move forward.

On the first call your loan officer will:

1. Find out your goals
2. Discuss loan programs that work for you
3. Send you our interest rates
4. What to expect for payment & closing costs
5. Let you know your next steps in the process and how long it takes

We want the expectation on day 1 to match the service delivered on the day of closing.