Refinancing your mortgage is easy and convenient. Watch interest rates and the housing market for the best time to refinance your home. Three common reasons to refinance:
Click on ‘Get Started’ button to receive a quote from us. If you decide to proceed, our customer care team will reach out to you within minutes to discuss the next steps.
You will receive a secure intake link in your inbox to submit your closing documents. After receiving your documents, we will work with the lender to prepare for closing while keeping you informed at all times.
Your mortgage lender will need current information about the state of your finances and income to make a decision about refinancing your mortgage. Plan ahead — refinancing can take four to six weeks. A good credit score can make the difference between whether you refinance through your existing lender, a new bank or credit union or a private lender. So can your assets. Owning income property or having substantial investments like stocks, bonds or other savings can boost your application over the top. Lenders typically ask for:
Your spouse’s consent is needed if they are on title to the property or you are legally married (making your residence a matrimonial home).
The time may be right to refinance your mortgage when:
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Your credit score, income, employment, and assets can help you qualify to refinance a mortgage. Mortgage lenders such as credit unions or banks look at these to verify whether you make payments on time, carry credit card balances, or are close to your credit limit. Having outstanding debts and how long you’ve had credit can also affect if you get a mortgage refinance. However, having no credit history can work against you. Taking out a secured credit card you pay in full every month improves your credit score more than having no credit card at all.
