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Refinancing Your Mortgage

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Thinking about refinancing your home? Here’s what to do:

1. Determine what mortgage refinance option makes sense for you.

We offer several options when it comes to refinancing your mortgage. What’s best for you depends on your goals. Your loan advisor will take a few minutes to understand your situation and recommend the best option.

Common mortgage refinancing options:

  • Change Rates and Terms. You can explore different combinations of rates and terms to manage your payment amount or pay off horizon.
  • Cash Out Refinance. Using the equity in your home, you may be able to “take cash out” to use for other purposes (home improvement, college savings, investing, etc.).

2. Prequalify.

It is always a good practice to prequalify. This will help to quickly narrow down the best loan option. Prequalification lets you know exactly which refinance option will help you reach your goal.

3. Complete the refinancing application.

Now that you’ve decided on the best refinancing option, your loan advisor will help you through the remaining steps of the loan process. You’ll be asked for some additional information and documentation that the lender will use to fully approve your application. Your loan advisor will also coordinate appraisals and other steps involved in the underwriting process.

4. Close the loan.

Your loan advisor will help you navigate the entire home refinancing process from start to finish. As the closing date approaches, your loan advisor will work with everyone involved to schedule the closing appointment. Prior to the closing date, your loan advisor will contact you to review all of the loan details.

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