Home›Home Loans›Refinance

Refinance options built around your goals.

Explore rate, term, equity, or cash-out options with a dedicated advisor who runs the numbers with you and guides the process from application to closing.

Explore my options Estimate my savings →

20–30

Days to close, typically

$8,200

Avg. refi savings / yr

Junk fees

Refinancing costs may apply. Any savings depend on your current loan, new loan terms, and how long you keep the loan. Average annual savings; closing costs may apply and individual results vary.

Refinance

Lower the rate. Shorten the term. Unlock equity.

Soft credit pull to see your options

Break-even and total-cost shown before you commit

One advisor from application to funding

Most refinances close in 20–30 days

Refinance Options

Pick the refinance that fits your goal.

Rate & Term Refinance

Replace your existing mortgage with a new one that may offer a lower rate, a better term, or a more predictable payment.

Cash-Out Refinance

Tap your home equity and turn it into usable cash — typically for renovations, debt consolidation, or major expenses.

Learn more →

FHA Streamline Refinance

A simplified option for existing FHA borrowers seeking a lower rate or payment with reduced documentation.

Learn more →

VA IRRRL

The Interest Rate Reduction Refinance Loan for eligible veterans and service members refinancing an existing VA loan.

Learn more →

Jumbo Refinance

For higher-value properties — replace your existing mortgage with terms matched to your payment and long-term objectives.

Learn more →

Non-QM Refinance

Bank-statement and DSCR refinance options for self-employed borrowers and investors.

Learn more →

Refinance With Confidence

Clear numbers, no surprises.

Fast decisions you can trust

Verified mortgage assessments, so you clearly understand your refinance eligibility and your new payment structure.

One dedicated advisor, start to finish

A single expert manages your entire process and understands your loan, your goals, and your timeline.

Complete transparency on savings

We break down your new rate, closing costs, break-even point, and long-term savings before you decide.

A fully digital experience

Apply online, upload documents securely, and track your refinance progress in real time from anywhere.

How It Works

Four steps to a better loan.

Apply online

Start your application in minutes on our secure digital platform. Soft credit pull to begin.

Get your refinance options

We analyze your current loan and present personalized savings opportunities side by side.

Lock your new terms

Choose the option that fits and lock a competitive rate aligned with your financial goals.

Close on your new loan

Your team manages the full process so your new payment starts as quickly as possible.

Good Questions

Refinance FAQs.

What is a mortgage refinance?

A mortgage refinance replaces your current home loan with a new one to get a lower interest rate, change your loan term, or access home equity. The new loan pays off your existing mortgage.

When should I refinance my home loan?

Refinancing may make sense if rates have dropped since you took out your loan, your credit has improved, you want a lower monthly payment or a shorter term, or you need to access equity. Your advisor will show you the break-even point so you can judge whether the savings outweigh the costs.

How much can I save with a refinance?

Savings depend on your current rate, loan balance, and the new terms. A lower rate can produce meaningful long-term savings, but the total also depends on closing costs, any change in term, and how long you keep the loan. Use the calculator for an estimate, then let your advisor price it precisely.

Does refinancing affect my credit score?

Checking your options starts with a soft pull. When you move forward, a hard inquiry is required and may cause a small, temporary dip. Multiple mortgage inquiries within a short window are generally counted as a single inquiry.

How long does the refinance process take?

Most refinance applications with House of Mortgage close within 20 to 30 days, depending on documentation, loan type, and appraisal requirements.

Your refinance options are a few clicks away.

Explore options to reduce your rate, shorten your term, or unlock equity. No hard credit pull to look.

Explore my options Talk to an advisor

Important rate & fee disclosures

Refinancing may involve closing costs and fees. Any savings depend on your current loan, new loan terms, and how long you keep the loan; refinancing may extend your repayment term and increase total interest paid over the life of the loan.

Average annual refinance savings shown are aggregate averages; closing costs may apply and individual results vary. Most applications close within 20–30 days; closing timelines vary by loan and transaction.

Rates, APRs, and terms vary by credit profile, loan-to-value, property type, and program guidelines and are not guaranteed. Not a commitment to lend.