Your Refinance Center

Everything you need to refinance with confidence—lower payments, access equity, save thousands.

Why Refinance with Homeseed

Join thousands who are saving with today's rates through our network

$350
Avg monthly savings

Save Money Monthly

Lower your rate and reduce your payment by hundreds each month.

$75K
Avg cash-out amount

Access Your Equity

Use your home's value for renovations, investments, or debt payoff.

7 yrs
Avg time saved

Pay Off Faster

Switch to a shorter term and save thousands in interest.

15%
Avg APR reduction

Consolidate Debt

Replace high-rate credit cards with low mortgage rates.

Refinance Options

Choose Your Refinance Strategy

Different goals require different approaches. We'll help you find the perfect solution.

Rate & Term Refinance

Lower your interest rate or change your loan term without taking cash out.

Reduce monthly payment up to 30%
Switch from ARM to fixed rate
Remove PMI if you have 20% equity
Most Popular

Cash-Out Refinance

Access your home's equity while potentially lowering your rate.

Get up to 80% of home value
Pay off high-interest debt
Fund home improvements

Streamline Refinance

Fast-track refinancing for FHA, VA, and USDA loans.

No appraisal required
Minimal documentation
Close in 2-3 weeks

HELOC & Home Equity

Flexible credit line or fixed loan using your home equity.

Draw funds as needed
Keep your first mortgage
Interest-only payment options
The Process

Simple Refinance Process

From application to closing in 30 days or less. We handle the complex parts so you can focus on your savings.

1

Free Analysis

Review your current loan and calculate potential savings with no obligation.

2

Compare Options

See personalized quotes from 175+ lenders side-by-side.

3

Quick Application

Apply online in 5-15 minutes. Most approvals within 24-48 hours.

4

Close & Save

Sign your new loan and start saving immediately.

Ready to Refinance?

Get your free refinance analysis and see exactly how much you'll save every month.

Refinance Calculator

Calculate Your Refinance Savings

Use our interactive calculator to see how much you could save by refinancing. Compare your current loan with new rates and terms.

Rate Impact

A 0.5% rate drop can save you $150+ per month

Break-Even

Most refinances pay for themselves in 18-24 months

Cash-Out Tip

Access up to 80% of your home's value

Verified Refinance Reviews

Refinance Success Stories

Real savings from homeowners who lowered their rates and monthly payments

4.97/5

Based on 1,117 verified reviews

100% Verified Reviews
Google logo
4.97

149 reviews

Zillow logo
5.00

112 reviews

Experience.com logo
4.97

856 reviews

Recent refinance reviews from verified customers

Chandima B review on Experience.com

Verified
Chandima B
Monroe, WA

Jeff clearly explained the refinancing process and provided a smooth experience.

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Chandima Bandara review on Zillow

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Chandima Bandara
Monroe, WA

Reached out to Barrett Financial Group to refinance our mortgage. Jeff found us the best rates and guided us through the refinance process, making it smooth and easy.

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Chandima B review on Experience.com

Verified
Chandima B
Monroe, WA

Excellent refinance experience; the team went above and beyond to help.

Experience.com logo

Nick C review on Experience.com

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Nick C
Lake Stevens, WA

Monitored the market and provided guidance; used him for purchase and refinance.

Experience.com logo

Shelby G review on Experience.com

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Shelby G
Lodi, CA

The team made the process simple and looked out for me to achieve the best possible interest rate; they communicated well.

Experience.com logo

Wojciech H S review on Experience.com

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Wojciech H S
Bonney Lake, WA

Tal vez un poco más competitiva tasa de interés sería bueno (perhaps a more competitive interest rate would be good).

Experience.com logo

Joseph M C review on Experience.com

Verified
Joseph M C
Fountain Hills, AZ

Once a competitive rate was provided, it was a pleasure working with the Homeseed team.

Experience.com logo

Sara S review on Experience.com

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Sara S
Maple Valley, WA

Willing to go to bat for us to match a competitor’s lower rate!

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Deborah Cervantes review on Zillow

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Deborah Cervantes
Tacoma, WA

Robert Garrod and his team guided me through the process with patience and were always available, achieving a great interest rate.

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Winston B. review on Google

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Winston B.

Homeseed was great to work with. The one thing I would like to mention is that they did not catch was the housing rate. Our closing date had to be bumped up two times which is really upsetting. Maybe these things happen, but you would think that they should have caught it early on after the fact that all documents had been signed. All things aside, we moved forward and was able to take care of it.

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Christy Schiffler review on Google

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Christy Schiffler

Great people, attentive on most things. But demand your rate is locked immediately.

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Nena review on Zillow

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Nena
Stanwood, WA

Recommended by our realtor; Robert walked us through each step, kept us updated, and got us a lower rate than expected.

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Tiffany F review on Experience.com

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Tiffany F
Belfair, WA

Helped with two home purchases and several refinances; very knowledgeable and goes the extra mile.

Experience.com logo

Oussama Alkhalili review on Google

Verified
Oussama Alkhalili

Our experience with Mac was direct and very friendly. He took our interest very personal and worked with realtor to ensure that we were able to get the house at the rate we aimed for.

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Lucas Weeks review on Google

Verified
Lucas Weeks

Mitch’s team was able to close my home purchase far ahead of the expected closing date while being able to support any questions I had throughout the entire process. I would recommend them to anyone looking to purchase or refinance.

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gerald g review on Google

Verified
gerald g

If there is problem children, it would definitely be us. From the start of the loan, during our loan signing, to post closing, I contacted Steven with questions. He was always readily available and willing to answer any/all questions I had. Most of our phone calls was easily over an hour, during weekends, which speaks volume about Steven. We inquired with four Lenders and Steven always came up on top. He would give his best opinion and confirm what indeed was true and false. He was accurate with estimates and held his word when there was clarifications he was working on. If you are looking for honesty or for someone to lookout for your best interest, Steven is your Lender! He has an amazing team behind him, who reach out to you with weekly updates. We will continue to do business with Steven and would recommend him to our friends and family. Thank you Steven and the Homeseed Team, we genuinely appreciate you!

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Ana Arevalo review on Google

Verified
Ana Arevalo

I worked with the Juan on the purchase of my first home. The level of care, attention to detail, and professionalism demonstrated by him and his team far surpassed my expectations. As a first-time home buyer, I really appreciated the help the gave me throughout the mortgage process. His team stays on top of every detail and is there for you every step of the way to answer any questions and address any concerns. I highly recommend homeseed and their team

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Nic D review on Experience.com

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Nic D

Supportive and knowledgeable; helped secure a good rate despite market challenges.

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Emily Truong review on Google

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Emily Truong

Brody and his team made our refi seamless. I appreciate that the bulk of the transaction was able to be done via the online portal - making the process easy and efficient. Communication was friendly, helpful, and prompt!

Google logo

Maria Maria review on Google

Verified
Maria Maria

I highly recommend Homeseed for home loans or refinancing. They have great rates and you can be assured that they will act on your behalf. They handled our home loan and then twice refinanced with them. Robert and his team are very professional, helpful, and quick to respond.

Google logo
770
Refinances Closed
Families refinanced
$162M
Total Savings
In lifetime savings
26Days
Average Close
Fast refinancing
Refinancing families since August 2016175+ lending partnersZero processing fees
Get Your Questions Answered

Refinance FAQs

Everything you need to know about refinancing your home, from timing to savings

When to Refinance

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 & Costs

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.

The Refinance Process

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.

Still have questions?

Our refinance experts are here to help you save money

Ready to save on your mortgage?

5-15 minutes
Secure application
No obligation