Chandima B review on Experience.com
Jeff clearly explained the refinancing process and provided a smooth experience.

Join thousands who are saving with today's rates through our network
Lower your rate and reduce your payment by hundreds each month.
Use your home's value for renovations, investments, or debt payoff.
Switch to a shorter term and save thousands in interest.
Replace high-rate credit cards with low mortgage rates.
Different goals require different approaches. We'll help you find the perfect solution.
Lower your interest rate or change your loan term without taking cash out.
Access your home's equity while potentially lowering your rate.
Fast-track refinancing for FHA, VA, and USDA loans.
Flexible credit line or fixed loan using your home equity.
From application to closing in 30 days or less. We handle the complex parts so you can focus on your savings.
Review your current loan and calculate potential savings with no obligation.
See personalized quotes from 175+ lenders side-by-side.
Apply online in 5-15 minutes. Most approvals within 24-48 hours.
Sign your new loan and start saving immediately.
Get your free refinance analysis and see exactly how much you'll save every month.
Use our interactive calculator to see how much you could save by refinancing. Compare your current loan with new rates and terms.
A 0.5% rate drop can save you $150+ per month
Most refinances pay for themselves in 18-24 months
Access up to 80% of your home's value
Real savings from homeowners who lowered their rates and monthly payments
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Everything you need to know about refinancing your home, from timing to savings
Generally, refinancing makes sense if you can reduce your rate by 0.5-1%, plan to stay in your home for at least 2-3 years, want to eliminate PMI, need to access equity, or want to switch from an adjustable to fixed rate. We provide a free break-even analysis showing exactly when you'll recoup closing costs and start saving.
You can refinance multiple times as market conditions change. Many of our clients have refinanced 2-3 times to take advantage of dropping rates. We'll monitor rates for you and alert you when another refinance could save you money. Some lenders even offer streamline refinances with reduced costs for repeat clients.
Timing the market perfectly is impossible. If refinancing saves you money now, it's usually worth doing. You can always refinance again if rates drop further. Meanwhile, you're saving money every month. We'll calculate your immediate savings and help you decide if waiting makes sense for your situation.
Savings vary widely. A 1% rate reduction on a $400,000 loan saves about $250/month or $90,000 over 30 years. Eliminating PMI saves $100-300/month. Switching from a 30-year to 15-year loan can save $150,000+ in interest. We'll show you exact savings based on your specific loan amount and current rate.
All costs are disclosed upfront: appraisal ($500-800), title insurance ($1,000-2,000), origination (0.5-1% of loan), and recording fees ($100-500). Many borrowers roll these into the loan. We'll calculate your break-even point so you know exactly when you'll recoup costs. There are no prepayment penalties on most modern loans.
Sometimes yes, if rates have dropped significantly since your original loan. For example, if you have a 6% rate and can refinance to 4%, you might access $50,000 cash and still reduce your payment. We'll run the numbers for your specific situation and show all options.
Usually yes, but some programs offer appraisal waivers based on loan-to-value ratio and property data. FHA and VA streamline refinances often skip appraisals. We'll check if you qualify for a waiver, which can save $500-800 and speed up closing by 1-2 weeks.
Absolutely! We work with many self-employed borrowers. We can use bank statements instead of tax returns, average variable income over 12-24 months, and work with lenders who understand business owners. Our underwriters are experts at maximizing qualifying income while staying compliant.
Your old lender refunds your escrow balance within 30 days of payoff. The new loan sets up fresh escrow for taxes and insurance. You might need to bring funds to closing for initial escrow, but you'll get your old escrow refund shortly after. We'll calculate everything so there are no surprises.
Our refinance experts are here to help you save money