Find a better rate

It’s a great time to lower your monthly payment or pay your home off faster.

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What's your refinancing goal?

Lower interest cost

If interest rates are lower than what you're currently paying on your mortgage, it makes sense to explore refinancing.

Consider...

⁣How long do you plan to stay in your home?⁣
⁣How much will you be expected to pay in closing fees?⁣
⁣Can you afford to refinance into a shorter-term mortgage?

Calculate your savings

Lower payment

Your mortgage payment is probably your most significant expense each month—but be cautious before adding years to your loan term.

Consider...

Will you need to extend the term of your mortgage?
Will you need to get a new appraisal?
How much will you be expected to pay in closing fees?

Calculate your payment

Get cash

Take advantage of the value of your home to make improvements, consolidate your debts, or cover other expenses—and maybe even lower your rate.

Consider...

Do you have debts that currently charge a higher interest rate than your mortgage?
Can you afford to increase your monthly payment?

What's your home worth?

Adjustable-Rate

Terms	Rate as low as	APR as low as	Monthly payment per $10,000 borrowed
7 yr ARM	2.750%	2.783%	$40.82
5 yr ARM	2.500%	2.532%	$39.51
Rates quoted are effective as of September 27, 2021, unless otherwise noted and may vary with amount of loan and loan-to-value ratio LTV. 60 day lock. Rates quoted based on $150,000 mortgage, 80% LTV, 740 credit score, owner occupied only. Annualized Percentage Rate APR includes interest, certain fees and points as applicable according to federal law. Payments displayed do not include taxes and insurance, actual payments may be greater. $595 origination fee.

Fixed-Rate Refinance

Terms	Rate as low as	APR as low as	Monthly payment per $10,000 borrowed
30 yr	3.000%	3.033%	$42.16
20 yr	2.750%	2.797%	$54.22
15 yr	2.375%	2.435%	$66.09
10 yr	2.125%	2.213%	$92.57
Rates quoted are effective as of November 8, 2021, unless otherwise noted and may vary with amount of loan and loan-to-value ratio LTV. 60 day lock. Rates quoted based on $150,000 mortgage, 80% LTV, 740 credit score, owner occupied only. Annualized Percentage Rate APR includes interest, certain fees and points as applicable according to federal law. Payments displayed do not include taxes and insurance, actual payments may be greater. $595 origination fee.

What to expect

Your appraisal is an important factor in determining how much you can borrow. So it helps to tidy up, make minor repairs, and make a list of any improvements you’ve made already.

Gather your financial documentation—generally, two years of W-2s, two most recent pay stubs, and two most recent bank statements. Then start your application.

Get started on your application. Plan on spending around 20 minutes to complete it!

A lender will review your application and verify your information. Once it’s approved, we’ll work with you to schedule your appraisal.

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