Refinance with clarity and confidence
Whether you’re lowering your payment, shortening your term, or tapping equity for a purpose, Brick Mortgage Solutions helps you compare options across 100+ lending partners—without pressure or hype.
Options
Common refinance goals
Programs
Refinance paths we can explore
Every refinance starts with your current loan, your timeline, and your goals. Here are the most common paths—then we’ll tailor the details to your situation.
Rate/Term Refinance
Adjust your interest rate, loan term, or both—often to reduce payment, remove mortgage insurance when eligible, or move from an ARM to a fixed-rate loan.
Cash-Out Refinance
Replace your current mortgage with a larger loan and take the difference in cash. Ideal for planned projects—when the numbers make sense.
Consolidation Strategy
If you’re rolling in other debt, we’ll compare the total cost over time and help you avoid trading short-term relief for long-term expense.
Investment Property Refinance
For rentals, we’ll review DSCR and other investor-friendly options and help you weigh cash flow, reserves, and long-term goals.
Process
How a refinance works
A simple, transparent process—so you always know what’s next.
1) Quick review call
We’ll talk through your goals, current loan, and timeline. If a refinance looks promising, we’ll outline next steps.
2) Compare options
We shop multiple lenders and present clear comparisons—rate, payment, cash to close, and total cost over time.
3) Lock and verify
Once you choose a path, we’ll lock when appropriate and guide you through documentation, appraisal (if needed), and underwriting.
4) Close and follow up
We coordinate closing and confirm your new payment details. After closing, we stay available for questions.
Refinance FAQ
General education only. Your exact options depend on credit, income, property type, and lender guidelines.
When does refinancing make sense?
When the total savings (or the value of your goal) outweighs the costs. We’ll look at payment change, break-even timeline, and long-term interest.
Do I need an appraisal?
Sometimes. Some loans may qualify for appraisal waivers, but it depends on the program, property, and lender.
How long does a refinance take?
Many refinances close in a few weeks, but timelines vary based on documentation, appraisal needs, and underwriting volume.
Will refinancing hurt my credit?
A mortgage inquiry can cause a small, temporary impact. We’ll discuss timing if you’re planning other credit moves soon.
Can I refinance with less than 20% equity?
Possibly. Options vary by loan type and mortgage insurance rules. We’ll review what’s available and what it costs.
Are rates guaranteed?
No. Rates change daily and depend on your profile and the chosen program. We’ll provide current quotes and explain what affects them.