Looking to Refinance

Pay off high-interest debt, get cash, or just lower your monthly mortgage payment.

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  • Compare Personalized Rate Quotes
  • Prequalify In Under 5 Minutes
  • No Impact To Your Credit Score
  • No Social Security Number Required

Consolidate into one, easy-to-manage payment.

Your refinancing begins with a single click. Our team quickly looks at your situation and the best refinancing options for your needs. In just 2-5 minutes, you’ll know if there is a loan program available with one of our lender partners. You don’t have to supply any guarded information, and we don’t make a credit inquiry so there isn’t any impact on your credit rating. From there, we make the process as easy as possible.


Did you know?

On February 12, Credit Suisse made a prediction that should make every refinance and debt consolidation shopper take notice.

With Congress passing its new budget agreement, Credit Suisse, the renowned finance company now expects the Federal Reserve to raise interest rates four times in 2018 rather than the three times they previously predicted.

My Credit’s Not Great. Is Refinancing an Option?

We pride ourselves on helping people who have less than perfect credit. Conventional banks and conventional mortgages may demand stellar credit, but we usually can find options for customers who may have believed refinancing wasn’t possible for them.

Because we offer, through our large network of lender partners, many loan options — from HARP to FHA to VA loans — we can often arrange refinancing even if you’ve been turned down by another lender.

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Take advantage of a higher loan-to-value Refinance to consolidate your debt!

A cash-out refinance is a great tool to help consolidate your debt — and there’s a way to make it even better so more cash ends up in your pocket!
When you choose a FHA cash-out refinance rather than a conventional one, you can receive up to 5% more loan-to-value (LTV) — a maximum total of 85%. That extra 5% percent can mean thousands of extra dollars you can use to pay off credit cards, auto loans, and other personal debts — even if you have less than perfect credit or limited equity.

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Conventional Loan

  • Make the most of your good credit and equity
  • Use funds to pay off any loan type
  • Eliminate private mortgage insurance (PMI)

FHA Loan

  • Lower average refinance rate than conventional
  • Great rates even with less-than-perfect credit
  • FHA Streamline Refinance requires no W2s, pay stubs, tax returns, or appraisal for those who qualify

So, what should your reaction be if you're seeking a loan to refinance your current mortgage or consolidate your debt?

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Here’s what we’d recommend:

1. Remember that interest rates are still near half their historical averages.

2. Recognize that not acting now could cost you tens of thousands of dollars in savings on your refinance.

3. Reach Out to Refi.com for eligibility in 2-5 minutes with no Social Security Number or other personal information required.

Whether it’s a conventional loan that allows you to reduce or eliminate mortgage insurance, or an FHA Streamline Refinance that doesn’t require W2s, pay stubs, tax returns, or even an appraisal.