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Refinance

Refinance when the math works, not just when rates move.

Rate-and-term, cash-out, and the streamline programs for FHA, VA and USDA loans. We run the break-even before you apply, so you know in one call whether refinancing pays.

OptionsRate-and-term, cash-out, streamline
Cash-outUp to 80% of value (90% VA)
AppraisalOften waived on streamlines
Typical close2 to 4 weeks
See if I qualifyCall (856) 606-1070
4.4 on Google · 214 reviewsNMLS 13988Licensed in 15 states + DC
Who it's for

Who refinances with us.

  • Homeowners whose rate is above today's market
  • Anyone paying FHA mortgage insurance who now has 20% equity
  • Owners consolidating higher-interest debt into one payment
  • Borrowers who want a shorter term without a big payment jump
How it works

Three steps from here to closing.

Break-even check

We compare your current loan to the new one, including costs, and tell you the month you come out ahead.

Application and lock

Income and asset documents, then a rate lock while the file is underwritten.

Close at home

Most refinances close in two to four weeks. Owner-occupied loans have a three-day right to cancel.

What you'll need

Requirements at a glance.

  • Current mortgage statement and homeowners insurance
  • Two years of income history for full-doc programs
  • Equity as required by the program (streamlines can be more flexible)
  • Credit score from 580 depending on the program
  • Six to twelve months of on-time payments on the current loan
Straight talk

The upside, and what to weigh.

Why people choose it

  • Streamline programs skip the appraisal and most paperwork
  • Cash-out is usually the cheapest way to borrow against a home
  • Closing costs can be rolled into the loan

Things to consider

  • Restarting a 30-year term can add interest even at a lower rate
  • Cash-out rates run a little higher than rate-and-term
Common questions

Asked on almost every first call.

How much lower does the rate need to be?

There is no magic number. If the monthly savings repay the costs before you plan to move, it works. We show you that month.

Can I skip the appraisal?

FHA streamline, VA IRRRL and USDA streamlined-assist usually do. Conventional loans sometimes qualify for an appraisal waiver.

Do I skip a payment?

It can feel that way because of how interest is collected at closing, but interest is never forgiven.