Refinance · Rate & Term
Lower Your Rate. Save Money Each Month.
A rate and term refinance replaces your current mortgage with better terms — no cash out, just a smarter loan.
Overview
What is a Rate and Term Refinance?
The most straightforward refinance option. Lower your interest rate, shorten your loan term, or both — without taking cash out of your equity.
Benefits
Why Homeowners Choose a Rate and Term Refinance
Reduce Your Monthly Payment With a Lower Rate.
Shorten Your Loan Term and Pay Off Your Home Faster.
Switch From an Adjustable Rate Loan to a Fixed Rate Loan.
Build Equity Faster By Paying Less Interest.
Is this right for you?
A Rate and Term Refinance May Be a Good Fit If…
Rates have dropped since you closed, your credit has improved, or you want to switch loan terms without touching your equity.
Get Started
See if You Could Lower Your Rate.
Tell us a little about yourself and a loan officer will reach out — usually the same day.