Refinance
Review your current mortgage, compare the total costs, and choose a refinance strategy that supports your next priorities.
Start with your priorities
Adjust your rate or term
A rate-and-term refinance may change your payment, loan structure or payoff timeline. Compare closing costs and lifetime interest—not just the monthly payment.
Tap eligible home equity
Cash-out refinancing may provide funds for improvements or other goals by replacing your mortgage with a larger loan. Available equity and approval determine the amount.
Consider debt consolidation
Combining debts can simplify payments, but it moves unsecured debt onto your home. A longer repayment period may increase total costs, and missed payments put your home at risk.
Compare your refinance paths
Rate-and-term refinance
Replace your current mortgage to reconsider the interest rate, loan term, or payment structure without focusing on a large cash withdrawal.
View programCash-out refinance
Replace an existing mortgage with a larger new loan and receive eligible equity as cash, subject to approval and available equity.
View programHELOC / Home Equity Loan
Borrow against eligible home equity while keeping your current first mortgage in place, either as a revolving line of credit (HELOC) or a fixed lump-sum home equity loan.
View programYour team will confirm program availability, eligibility and terms for your state and situation. Not a commitment to lend.