Two main paths — and our team will run the numbers on both so you can see exactly what makes sense.
Replace your existing mortgage with better terms — same balance, better deal.
Access the equity you've built for the things that matter most.
Typically requires 20%+ equity remaining after cash-out.
Apply NowCurrent rates are lower than your existing rate — even a modest drop can save thousands over the life of the loan.
You want to switch from an adjustable rate to the stability of a fixed rate before your ARM adjusts upward.
Your home has appreciated and you want to put that equity to work for renovations, debt payoff, or investments.
You've reached 20% equity and want to remove private mortgage insurance from your monthly payment.
Apply online or by phone — in English or Portuguese. Takes about 15 minutes.
We gather your documents and order the appraisal while shopping lenders for your best rate.
The lender reviews and approves your file. We handle any conditions quickly.
Sign your documents and start saving. Most refinances close in about 30 days.