Loan Options • Refinance
Refinance your mortgage
A refinance can lower your rate or payment, shorten your term, remove mortgage insurance or turn your home equity into cash.
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At a glance
- Rate and term refinance
- Cash-out refinance
- FHA streamline and VA IRRRL options
- Remove mortgage insurance
Talk with a licensed loan officer
Is it right for you?
Who it’s for
If your rate, credit, home value or goals have changed since you bought your home, it may be worth a look. We will show you the real savings and your break-even point before you decide.
Good to know
- Refinancing has closing costs, so we compare them with your monthly savings.
- Cash-out refinancing replaces your current mortgage with a larger loan.
- If you want to keep your current rate, a HELOC may be a better fit.
How it works
- Talk with usA quick, no-pressure call about your goals and budget.
- Apply onlineA secure application you can finish in minutes.
- Review your optionsClear numbers side by side so you can choose with confidence.
- CloseRegular updates from approval to the closing table.
FAQs
Common questions
When does refinancing make sense?
It can make sense when the monthly savings or other benefits outweigh the closing costs within a time frame that fits how long you plan to keep the home.
What is a streamline refinance?
FHA streamline and VA IRRRL programs let eligible homeowners refinance an existing FHA or VA loan with less paperwork and, in many cases, no appraisal.
Should I do a cash-out refinance or a HELOC?
If you have a low rate you want to keep, a HELOC lets you borrow against your equity without replacing your first mortgage. We can compare both.
This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines, property eligibility and program availability. Not all applicants will qualify. Terms and programs may change without notice. FLO Mortgage, Company NMLS #1835856. Equal Housing Opportunity. Licensing & Disclosures.
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Ready to see your numbers?
Answer a few quick questions and a local loan officer will follow up with your options.