Rate & Term refi

Lower payments or pay off your home faster

Secure better terms, reduce monthly payments, or shorten your loan term without cashing out.

Lock in the right rate at the right time

Discover competitive rates, updated daily.

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Rates as of January 16, 2026

Reduce monthly payments and save thousands over the life of your loan
Shorten your loan term to build equity faster and pay off your mortgage sooner
Convert from an adjustable-rate mortgage to a fixed-rate loan for payment stability
Remove private mortgage insurance (PMI) if you've built sufficient equity
Return to us for refinancing or home purchases with $0 bank fees

Minimum credit score of 620, exceptions may be considered.
Debt-to-icome ratio below 45%, with some flexibility
Must have at least 3-5% home equity
Property must be primary residence, second home, or investment property
Must be able to demonstrate stable income and ability to repay the new loan amount

Not sure if refinancing is right for you? Talk to our equity specialist or check out other ways to leverage your home’s equity.

With reliable and easy to understand answers.

How much can I save by refinancing?
Your savings will depend on your current loan terms, new interest rate, and loan term. Even a 0.5% reduction in your rate can save you thousands over the life of your loan. Our loan officers can provide a personalized savings analysis.
Is there a "break-even" point I should consider?
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How quickly can I complete a rate and term refinance?
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Can I refinance if my home's value has decreased?
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Couldn’t find your answer?

Find out exactly how much money you can save with a customized refinance loan that makes sense.