Refinance
Rate/Term Refinance
Lower your rate, change your loan term, or switch from an adjustable to a fixed loan—without taking cash out. I’ll compare options across 100+ lending partners to help you choose what fits your goals.
Overview
What a Rate/Term Refi Does
A rate/term refinance replaces your current mortgage with a new one to improve the interest rate, adjust the loan term, or change the loan type—typically with minimal or no cash back at closing.
Lower the payment
If rates and your profile support it, a lower rate can reduce your monthly principal-and-interest payment.
Shorten the term
Move from a 30-year to a 15- or 20-year term to build equity faster and reduce total interest over time.
Stabilize with fixed
Switch from an ARM to a fixed-rate loan for predictable payments—especially if you plan to stay put.
Remove mortgage insurance
If you have enough equity, you may be able to refinance out of monthly mortgage insurance (program rules apply).
Good Fit If
Common Reasons to Refinance
Process
How It Works
A clear, guided refinance process—so you know what’s happening and why.
1) Quick strategy call
We’ll review your current loan, goals, and timeline. If it’s not a good fit, I’ll tell you—no pressure.
2) Compare options
I shop rates and terms across multiple lenders and explain the tradeoffs (payment, total interest, closing costs).
3) Lock and verify
Once you choose a path, we lock (when appropriate) and document income, assets, and property details.
4) Close and follow up
You sign, the old loan is paid off, and I’ll stay available for questions after closing.