Refinancing

Refinancing your mortgage can be a smart financial move, whether you're looking to reduce your monthly payment, lock in a more stable rate, or adjust your loan to better fit your life. Every situation is different — and whether you're refinancing for peace of mind or long-term savings, I’ll help you explore the best options available for your unique goals.

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Common Reasons Homeowners Refinance

Lower Your Interest Rate

One of the most popular reasons to refinance is to secure a lower interest rate. Even a small drop in rate can lead to big savings over time — and in many cases, reduce your monthly mortgage payment. It’s worth checking if today’s rates make sense for your situation.

Switch Loan Types

If you started with an adjustable-rate mortgage (ARM), refinancing to a fixed-rate loan can bring stability and predictability to your monthly payments. Or maybe you want to move from FHA to conventional to remove mortgage insurance — either way, refinancing gives you options.

Shorten Your Loan Term

Refinancing into a shorter loan term (like 15 years) can help you pay off your home faster and reduce the amount of interest paid over the life of the loan. It’s a great option for those focused on long-term savings and building equity more quickly.

Remove a Co-Borrower

Life changes — and sometimes that means updating your mortgage. Refinancing allows you to remove a co-borrower from the loan, which can be helpful after divorce, estate planning, or other major life events.

Thinking About Refinancing,
but Not Sure Where to Start?

You’re not alone. Refinancing comes with questions — and it’s important to understand how the process works, what it might mean for your finances, and whether it’s the right move for you. Here are a few quick insights to help you feel more confident as you explore your options.

Does refinancing reset your mortgage?

Not always. You can refinance into a shorter or longer term depending on your goals. A fresh 30-year loan might lower your monthly payment, while a 20-year or 15-year term could help you pay it off faster.