Refinance · Rate & Term
Lower Your Rate. Save Money Each Month.
A rate and term refinance replaces your current mortgage with better terms — no cash out, just a smarter loan.
Overview
What is a rate and term refinance?
The most straightforward refinance option. Lower your interest rate, shorten your loan term, or both — without taking cash out of your equity.
Benefits
Why homeowners choose a rate and term refinance
Reduce your monthly payment with a lower rate
Pay off your home sooner by shortening your term
Switch from an adjustable to a fixed rate for stability
Build equity faster
Is this right for you?
A rate and term refinance may be a good fit if…
Rates have dropped since you closed, your credit has improved, or you want to switch loan terms without touching your equity.
Get Started
See if you could lower your rate
Tell us a little about yourself and a loan officer will reach out — usually the same day.