Refinance
Is it a smart move to refinance? Let's find out.
Tell us about your current loan and your goal. We'll compare it against today's options across our lender network and give you a straight answer, including when the answer is 'not yet.'
Quick quote
Tell us about your current loan
Estimates are fine. We'll confirm the details together before anything is final.
The honest break-even test
Refinancing costs money up front. Divide your closing costs by your monthly savings and you get the number of months it takes to come out ahead. If you’ll be in the home longer than that, it’s usually worth doing. If not, we’ll tell you.
Read our refinance guidePrefer to talk it through? Call (501) 393-0990.
What's your goal?
Why refinance
Six good reasons homeowners refinance
And one bad one: because a mailer told you to. Here are the goals a refinance can actually accomplish.
Lower your rate or payment
If rates have dropped since you closed, a rate-and-term refinance can cut your payment and total interest.
Shorten your term
Move from a 30-year to a 15- or 20-year loan and own your home outright years sooner.
Drop mortgage insurance
Built up 20% equity? Refinancing out of an FHA loan or a PMI-laden conventional loan can remove the monthly premium.
Take cash out
Turn equity into cash for home improvements, debt consolidation, tuition, or a rainy-day fund.
Swap an ARM for a fixed rate
Lock in a predictable payment before your adjustable rate resets.
Consolidate a second mortgage
Roll a HELOC or second lien into one loan with one payment.