How a Rate Reduction Helps you
Lower Monthly Payment
Even a small rate drop can save thousands over the life of the loan.
Streamlined Process
If you qualify, you can skip income docs, home appraisal and extensive paperwork
Cash Flow Flexibility
Redirect money toward debt, investments, or home improvements.
Savings are estimated and may vary. Actual rate, payment, and terms depend on borrower qualifications and current market conditions.
Our team is always available to answer questions
Lower Your Rate & Save Hundreds Each Month
Little to no out-of-pocket
We can roll closing costs into the loan,
Just pay for the appraisal if needed.
Skip Two Mortgage payments
You can elect to skip 1 or 2 months.
Rate Comparison
Compare mortgage rates to find the best deal.
Eligibility Checklist
Existing mortgage on a primary residence
580 credit score or higher
Good or improving credit score
No recent bankruptcy or foreclosure
Stable income and employment history
Willingness to provide basic loan documents
CLIENT STORIES
Frequently Asked Questions
-
Do I qualify for a rate reduction?
If you already have a home loan and want to lower your rate or payment, you may qualify. A quick review can confirm your options.
-
How long does the process take?
Most rate reduction refinances close in about 10–15 days, depending on the loan type and documentation needed.
-
Does refinancing cost anything?
Costs vary, but many options allow fees to be rolled into the loan. We’ll show you all options upfront.
