Mortgage Refinance Guide

Mortgage refinancing is an easy way to restructure your existing mortgage debt by taking advantage of lower rates and more favorable terms.

Most homeowners we work with refinance to lock in a lower rate on their mortgage, consolidate their high-interest credit card debt into one easy-to-manage monthly payment or get cash back from the equity in their home to pay for large expenses such as a new car, home renovations or college tuition. Whatever your reason is for refinancing, our team of advisors can help.

If any of these apply to you…

• My mortgage payment is too high.
  
• The mortgage rate I have is higher than what’s available on the market.
  
• I want to consolidate my credit card bills and mortgage into one monthly payment and take advantage of including my credit card debt in a refinanced loan to lower my tax liability. (See more details about the tax benefits)
  
• An adjustable interest rate is too unstable.
  
• I want to pay off my mortgage in 15 years instead of 30.
  
• I want to use the equity in my home to get cash.

… then mortgage refinancing may be right for you.

Don’t worry. One of our Personal Advisors can help. Call Toll Free 877-878-0100 or go to our Quick-Start Refi Tool. If you received a letter from us that means you're already pre-qualified and getting started is even faster and easier with our FastTrack Refi Tool.

Here are more resources to help you answer the most important questions when refinancing:
Why should I refinance now?
What are my options when refinancing?
What types of refinance loans are available?
What do I need to know about my credit report?
What are the best questions to ask a lender?
How can I compare refinance offers so I know I’m getting a good deal?
What should I know about closing the refinance loan?