Replace your existing mortgage with a better one. Lower your interest rate, shorten your term, or both — without pulling any cash out. Access 100+ wholesale lenders for the most competitive rate.
Competitive terms from 100+ wholesale lenders.
A common rule of thumb is to refinance if you can lower your rate by at least 0.5–1%. But it also depends on how long you plan to stay and your closing costs. We’ll run the break-even analysis for you.
A no-cost refi means you don’t pay closing costs out of pocket. Instead, the costs are rolled into a slightly higher rate. Great if you don’t want to pay upfront or plan to move within a few years.
Yes. FHA loans can be refinanced via FHA Streamline. VA loans have the IRRRL program — often no appraisal required.
Most refinances close in 21–30 days. Streamline programs (FHA, VA) can sometimes close in 14–17 days.
Only if you choose a new 30-year term. You can also choose a 15, 20, or 25-year term to avoid resetting the amortization clock entirely.
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