Find a better rate

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

What's your refinancing goal?

Lower interest rate

If interest rates have fallen below 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 have to pay in closing costs and fees?
Can you afford to refinance to a shorter term?

Lower monthly payment

Your mortgage payment is probably your largest 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 pay for a new appraisal?
How much can you expect to pay in closing costs?

Get cash out

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

Consider ...

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

Adjustable-Rate

Terms	Rate as low as	APR as low as	Monthly payment per $10,000 borrowed
5 yr ARM	5.750%	5.872%	$58.36
7 yr ARM	6.125%	6.250%	$60.76
Rates quoted are effective as of September 21, 2022, unless otherwise noted and may vary with amount of loan and loan-to-value ratio LTV. 45 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	6.125%	6.250%	$60.76
20 yr	6.625%	6.794%	$75.30
15 yr	6.000%	6.207%	$84.39
10 yr	6.250%	6.339%	$102.19
Rates quoted are effective as of September 21, 2022, unless otherwise noted and may vary with amount of loan and loan-to-value ratio LTV. 45 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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