Rate-and-Term Refinance
Adjust your interest rate, term length, or both to better match your goals.
Learn more →Refinance
Find the right refinance path.
Compare rate-and-term, cash-out, and home equity options, run the numbers, and connect with a licensed Intra loan officer when you are ready.
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Equal Housing Lender
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Licensed guidance when you are ready
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Choose your refinance goal
Tell us what you want to accomplish — we'll point you to the right next step.
Refinance options
Explore the main refinance and home equity programs — each page explains who they may fit and what to expect.
Cash-Out Refinance
Replace your current mortgage and convert eligible home equity into available cash.
Learn more →VA Streamline Refinance
For eligible borrowers with an existing VA-backed loan — may help lower your rate or payment without taking cash out.
Learn more →HELOC
Access available equity through a flexible line of credit. Draw what you need during the draw period, repay, and use again when eligible.
Learn more →Home Equity Loan
Borrow a fixed lump sum at a fixed rate without replacing your first mortgage — useful when you know the amount you need upfront.
Learn more →Run the numbers before you choose
View all calculators →What to know before refinancing
Six factors worth understanding before you commit to a refinance or home equity path.
Break-even point
How long monthly savings need to offset closing costs before refinancing pays off.
Closing costs
Lender fees, title work, appraisal, and prepaid items that affect your total cost to close.
Home equity
How much equity you may be able to access — and how loan type changes the approach.
Loan term
Shorter terms may save interest; longer terms may lower the payment but extend payoff.
Monthly payment
Principal and interest on your current loan versus what a new loan may look like.
Current rate vs. new rate
A lower rate does not always mean refinancing wins — timing and costs matter too.
Common refinance questions
Browse all questions →Refinancing may make sense when it lowers your payment, shortens your loan term, helps remove mortgage insurance, or gives you access to home equity. The main question is whether the benefit is worth the cost. Your loan officer can help you compare the new loan against your current loan and estimate the break-even point.
Not sure which refinance path fits?
A loan officer can help you compare your options.
Get pre-qualified with no hard credit pull to start. A licensed officer can walk through your options when you are ready.
5.0 Google Rating
Verified borrower feedback on Google
NMLS #2620605
Equal Housing Lender
Multi-state guidance
Exact availability shown on each loan officer profile.
Clear follow up
Help when you're ready for the next step
