Whether you want a better rate, a shorter term, or cash from your equity — refinancing with a broker gives you 90+ lenders competing for your business, not just one bank's product.
Every situation is different. Here are the most common goals — and why a broker gets you there faster.
Reduce your rate by even 0.5% and save hundreds per month — and tens of thousands over the life of your loan.
Move from 30 to 15 years, build equity faster, and pay significantly less total interest — often for a similar payment.
Use the equity you've built to fund renovations, pay off high-interest debt, or invest — at mortgage rates, not credit card rates.
Learn about cash-out →If your home's value has increased, a refinance may eliminate private mortgage insurance and instantly lower your payment.
Not all refinances are the same. Here are the four most common types — we'll match you to the best one.
Get a lower rate, a shorter term, or both — without taking cash out. The simplest and most common refi type. Works with conventional, FHA, and VA loans.
Best for: lowering paymentsReplace your current mortgage with a larger one and receive the difference as cash. Fund home improvements, consolidate debt, or invest — at rates far below credit cards.
Best for: accessing equity →Existing FHA borrowers can refinance with minimal documentation and no appraisal required in most cases. Faster, cheaper, and less paperwork than a standard refi.
No appraisal requiredThe VA Interest Rate Reduction Refinance Loan is the fastest, lowest-cost option for eligible veterans. No appraisal, no income verification in most cases.
Veterans onlyBanks offer their own products at their own margins. We shop 90+ wholesale lenders and pass the savings directly to you.
See My Refi OptionsMy bank quoted me 7.2%. We found 6.5% through a wholesale lender I’d never heard of. That’s $312 a month — every month. I wish I’d called sooner.
No hard credit pull. We’ll show you real numbers same business day.
See My Refi Options
If rates drop, so could your payment. We monitor the market and tell you when to act.
Wholesale pricing passed directly to you — better than any single bank can offer.
Most buyers qualify for $5,000–$15,000+ in assistance. We find every program and stack them.