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Refinance Options

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Rate & Term Refinance

Looking to lower your monthly payment or pay off your loan faster?

  • Reduce your interest rate

  • Change your loan term (30 → 15 years, etc.)

Cash-Out Refinance

Tap into your home’s equity for large expenses — renovations, debt consolidation, or life milestones.

  • Replace your current mortgage

  • Receive a lump sum of cash

  • Still potentially lower your rate

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Taking Notes

What Is a Home Equity Line of Credit (HELOC)?

Homeowners have access to a unique financial instrument that can help them pay for major expenses, both unforeseen and planned. To obtain funds with minimal financial stress, you might consider taking out a home equity line of credit (HELOC). 
 

A home equity line of credit can effectively pay for emergency expenses like medical bills, vehicle maintenance, or urgent home repairs. You can also use a HELOC to fund long-term goals, like funding your kids’ education, making home improvements, or taking your dream vacation. 

Frequently asked questions

Streamline Refinance (FHA/VA only)

Already have an FHA or VA loan? You may qualify for a simplified refi process with less paperwork and no appraisal required.

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