Refinance.
Your current loan was priced on the day you locked — not on today's market. We re-shop your mortgage across 40+ lenders and show you the break-even month before you spend anything.
- Paths
- 3
- Credit score from
- 620
- Typical close
- 21–30 d
- Review cost
- Free
Who it tends to fit.
Homeowners whose rate sits a half point or more above today's pricing, anyone with PMI to kill, and borrowers who want out of an ARM before it adjusts. Cash-out fits owners funding renovations that raise the home's value — kitchens, ADUs, roofs — rather than depreciating spending.
It also fits FHA and VA borrowers using streamline paths, where reduced paperwork can cut costs and timelines sharply.
What's included.
- Break-even math first: monthly savings versus closing costs, with the payback month circled.
- Rate-and-term, cash-out and streamline quotes compared on total five-year cost.
- PMI removal check — many owners can drop insurance with a new appraisal alone.
- Term analysis: the 15-year payment shock versus the 30-year flexibility, in real dollars.
- No-closing-cost options priced honestly, with the rate tradeoff shown — never hidden.
How a refinance runs.
Step 1
The free review
Send your current statement. Within a day you get the verdict: refinance now, wait, or don't bother.
Step 2
Lock on the dip
Refinances can wait for the right morning. We watch pricing and lock when your target hits.
Step 3
Sign and skip a payment
Most refis fund in three to four weeks, and the calendar usually lets you skip a month in between.
Worth knowing first.
The rule of thumb: refinance when you recover the costs within 24 to 36 months and you plan to stay past that date. A half-point drop on a $600,000 balance saves roughly $190 a month — about $2,300 a year — so $4,500 in costs pays back in two years. We do this exact arithmetic on your numbers, free, before you apply.
Watch the term reset: refinancing a 30-year loan you have paid for seven years into a new 30-year loan restarts the clock, and the lifetime interest can exceed the monthly savings. When that tradeoff bites, we price 25- and 20-year terms that keep your payoff date — often with a better rate attached.