Mortgage services
Refinance your mortgage
Use home equity to simplify debt, fund plans, or improve monthly cash flow.
A refinance replaces your current mortgage with a new one. Many homeowners refinance to consolidate high interest debt, renovate, help pay for education, invest in another property, or create more breathing room each month. We walk you through the full picture, including costs, timelines, and any penalties, so you can decide with confidence.
What you will learn
- What refinancing changes and what stays the same
- How to compare the true cost versus the benefit
- When penalties matter and how to plan around them
How it works
A clear plan from first call to closing
01.
We review your current mortgage and your goal
02.
We estimate how much equity may be available
03.
We compare options and monthly payment outcomes
04.
We review fees and any potential penalty
05.
We submit the application and guide you through approval
Documents you may need
Get organized early
We will confirm the exact list based on your situation.
- Current mortgage statement
- Income verification
- Property tax and home insurance details if requested
- Debt statements you want to consolidate
Related services
Explore other mortgage options
Renewal, Switch, Transfer
Do not renew on autopilot. Review your options and keep your mortgage working for you.
Investment Properties
Buy with confidence by understanding the numbers, the rules, and the strategy.
Reverse Mortgage
Access home equity with no monthly mortgage payments, while staying in your home.
Bruised Credit
A temporary setback does not have to stop your home plans.
Frequently asked questions
Answers to common questions
Is refinancing the same as renewing
No. Renewal keeps your existing mortgage with a new term. Refinancing replaces it and can change the balance or structure.
Will I pay a penalty
Many mortgages have a penalty for breaking early. We calculate it up front and compare it to the benefits.
Can refinancing lower my payment
Often yes if we extend the amortization or secure a lower rate. We will compare the options clearly.
Can I refinance to pay off credit cards
Yes. Many homeowners use equity to consolidate higher interest debt. We will confirm how it affects your overall cost.
How long does refinancing take
Timelines vary, but many refinances complete within a few weeks once documents are received.
Ready when you are
Let's build a mortgage plan that fits you
Tell us what you are working toward and we will map out the next best step with clear numbers and a simple plan.