Cash In On Your
Investment.

Refinancing gives you access to the equity you’ve built in your home.
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Homeowners Refinance for Several Reasons

Lower Your Mortgage Payment

Refinancing can help reduce your monthly payment by securing a lower interest rate or extending your loan term, freeing up cash for everyday expenses.

Access Your Home’s Equity

A cash-out refinance allows you to convert a portion of your home’s equity into cash for major expenses, investments, or debt consolidation.

Consolidate High-Interest Debt

Combine high-interest debts like credit cards or personal loans into one manageable mortgage payment, often at a lower interest rate.

Move From ARM to Fixed Rate

Lock in predictable monthly payments by converting an adjustable-rate mortgage into a fixed-rate loan for long-term stability.

Shorten Your Loan Term

Refinancing into a shorter loan term can help you pay off your mortgage sooner and reduce the total interest paid over time.

The Refinancing Process

Buying your home should be something to celebrate, not a source of stress. We make the mortgage process as simple, fast, and pleasant as possible

Decide

Talk to your mortgage advisor to determine whether refinancing makes sense for you. Consider whether the payoff justifies the costs, long-term financial impacts, and payback period.

Apply

Gather documents and submit your application. Then we’ll order an appraisal and analyze your credit, income, and assets.

Approve

You may be asked for more information while your file is being underwritten. Communicate with your Change Home Mortgage advisor for updates.

Close

It’s official! Soon after signing the loan documents, you’ll receive your funds.
*Refinancing the consumer’s existing loan may result in higher total finance charges over the life of the loan.

Estimate Your Monthly Payment

Adjust the numbers to see how your loan amount, rate and term affect your payment.
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Estimated monthly payments include principal and interest and are not an offer to lend. Tax, insurance, and other fees and charges may apply. Default interest rate displayed is illustrative only. Interest rates, total cost of mortgage, and monthly mortgage payment are estimates based on information you have provided. Actual mortgage payment and interest rate may be higher or lower than those displayed and will depend on your mortgage product, collateral, and credit history.

Ready to Refinance?

Our mortgage advisors are here to help.
Contact A Mortgage Advisor