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Refinance my home.

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Step 1 of 12

Where are you in the home buying process?*
Select one.

Why do you need to know?

You may be able to turn your earned home equity into cash.

Do you want to get cash out with this refinance?
Select one.

What is the address of the property you're trying to refinance?

How long have you owned this home?

Why do you need to know?

You typically need to own a home for six months before you qualify for a refinance.

Why do you need to know?

The type of property you choose will affect the programs available to you.

What type of property is this?
Select one.

Why do you need to know?

How you use your property may affect the interest rates available and the requirements needed to get a mortgage for a home. Lenders must assess the risk level in providing you a mortgage, meaning how likely it will be that you pay back your loan.

How do you use this home?
Select one.

How much do you think your house is worth?

If you're not sure, an estimate is fine for now.

Why do you need to know?

A refinance appraisal protects the lender by ensuring that it doesn’t lend the borrower more money that the property is worth. If your home value has increased, you may be eligible for an even better interest rate than anticipated, or you may be able to get more cash out with your refinance.

Why do you need to know?

When applying to refinance a loan with a co-borrower, the lender considers all incomes and financial histories during the approval process instead of just one. All co-borrowers share the responsibility for repayment.

Are you planning to refinance with someone else on the loan?
Select one.

Why do you need to know?

Lenders need to know how much you earn to determine how much they can approve you for. The higher your income, the more you may be able to borrow. However there are options for lower income borrowers. If you're applying with someone else your lender will get their income information as well.

Enter amount.

How long have you been with your current employer?

Please provide at least 2 years of employment history. If you receive other sources of income, please skip ahead.

Why do you need to know?

Lenders want to know not only how much money you make, but also how likely it is that you'll continue to make that amount of money. A solid 2-year work history poses as less of a risk for lenders, so it's important not to quit or switch to a lower-paying job during or shortly before you apply for a mortgage.

What do you think your credit score is?

We won’t pull your credit right now, so an estimate is ok.

Why do you need to know?

A credit score is a good indication of how likely you are to pay the money back you borrow. The higher the score, the better a borrower looks to a lender.

Select a range.

Tell us a little about yourself, then a licensed Loan Officer will be in touch shortly to review your options

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