Consolidate high-interest debt into one simple payment.

Remodel or upgrade your home without personal loans.

Lower your monthly payment or shorten your loan term.

Gain financial flexibility with a refinance that fits your goals.

Feature

Refinance Loan

Conventional Loan

Monthly Payment

Often lower — or restructured to free up cash each month

Unchanged

Interest Rate

Potential savings depending on your current loan

Same as today

Loan Term Flexibility

Choose shorter or longer terms to fit your goals

No

Equity Access

Cash out to remodel, consolidate debt, or invest

No

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How It Works

Apply for a quick refinance review, see if you qualify in minutes.

Explore your options, compare rates, terms, and cash-out opportunities.

Select the plan that fits your goals, whether it’s lowering payments, consolidating debt, or remodeling your home.

Close with ease, start saving right away.

Minimum Credit Score
for Refinancing

Most refinance programs start at a 620 FICO score, but lenders also review your income, debt, and payment history. Even if your score isn’t perfect, you might still qualify — why not check your options?

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Who Qualifies for a Refinance
(and Cash-Out Options)?

Your current rate is higher than today’s average.

You’ve built at least 20% equity in your home.

Your credit score is 620+ or higher (some programs may allow lower).

You plan to stay in your home long enough to enjoy the savings

You’d like to use your home’s equity to pay off debt or make home improvements.

You can provide proof of steady income and employment history.

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Ready to lower your payment, pay off debt, or fund your next project?