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Your Refinance Journey Starts Here

LOWER YOURRATE, REDUCE YOUR PAYMENT

Refinance your mortgage. Lower your payment, tap equity, or switch to a fixed rate—with programs matched to the loan you already have.

NMLS #1820789

What you'll get

What you will get when you refinance

  • Lower your interest rate and monthly payment.
  • Access equity with cash-out—or compare a HELOC.
  • Match the right refinance program to your current loan.

No commitment required · Free consultation

What Are You Trying to Do?

Start with your goal—then we'll match a program to the loan you already have.

Lower my payment

Rate-and-term refinance to reduce your monthly payment or total interest.

Get Qualified

Cash out equity

Refinance and take cash for improvements, debt consolidation, or major expenses.

Get QualifiedCompare HELOC

Switch to fixed

Move from an adjustable rate to predictable fixed payments.

Get Qualified

Refinance Programs

Programs depend on the loan you already have. Find the fit—then get pre-qualified.

Featured

FHA Streamline

Best if you already have an FHA loan and want a simpler path to a lower rate or payment.

Best for: Existing FHA loan · rate/term
Appraisal / docs: Often no appraisal; reduced docs on many NCQ paths
Credit: Often mid-500s+ depending on occupancy

Key Benefits:

  • Often no appraisal required
  • Reduced documentation on many NCQ paths
  • Must show a net tangible benefit
Get Qualified

VA IRRRL

Best for veterans and service members with an existing VA loan who want a rate reduction refinance.

Best for: Existing VA loan · rate reduction
Appraisal / docs: Simplified vs full VA cash-out
Credit: Often mid-500s+ depending on occupancy

Key Benefits:

  • Built for VA-to-VA rate reduction
  • Net tangible benefit requirements protect the veteran
  • Generally no maximum LTV on standard paths
Get Qualified

USDA Streamlined Assist

Best if you already have a USDA loan and want a streamlined refinance with a lower payment.

Best for: Existing USDA loan · Streamlined Assist
Appraisal / docs: Often no appraisal; income docs for eligibility
Credit: Often 620+ (higher for manufactured homes)

Key Benefits:

  • Often no appraisal and no ratio calculations
  • Payment must drop by a meaningful amount
  • No cash-out on this path
Get Qualified

Fannie Mae RefiNow

Best for income-eligible homeowners whose current loan is owned by Fannie Mae.

Best for: Fannie-owned conventional · AMI-targeted
Appraisal / docs: Full/alt documentation required
Credit: Per automated underwriting (often 600+)

Key Benefits:

  • Designed for AMI-targeted conventional refinances
  • DU Approve/Eligible required
  • Available once per borrower
Get Qualified

Freddie Mac Refi Possible

Best for income-eligible homeowners whose current loan is owned by Freddie Mac.

Best for: Freddie-owned conventional · ≤100% AMI
Appraisal / docs: Full/alt documentation required
Credit: Per automated underwriting

Key Benefits:

  • Income typically at or below 100% AMI
  • LPA Accept/Eligible required
  • Primary residence · once per borrower
Get Qualified

Conventional Rate & Term

Best for conventional loans when RefiNow or Refi Possible do not apply—full rate-and-term refinance.

Best for: Standard conventional rate/term
Appraisal / docs: Full underwriting; appraisal typically required
Credit: Typically 620+ depending on scenario

Key Benefits:

  • Broader conventional options beyond AMI assist
  • Lower rate, shorter term, or ARM-to-fixed
  • Appraisal and income verification typically required
Get Qualified

Refinance Calculator

1

Current Loan Information

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Remaining balance on your current mortgage

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Your current mortgage interest rate

Original term of your current loan

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Leave blank to calculate automatically

2

New Loan Information

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Expected rate for your new loan

Term for your new refinanced loan

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Estimated closing costs (will be rolled into loan)

Clear the path to qualification

Trusted partners can help with loan readiness and student-loan payments so you can move toward a stronger mortgage picture.

Third-party partner services — not PRMG underwriting. They do not guarantee approval or score improvement.

CredEvolv
Turn “not yet” into loan-ready

CredEvolv matches you to a loan-readiness path—HUD-certified nonprofit credit counseling, nonprofit debt management, or a self-paced DIY option—then works the plan until you’re ready to re-approach a mortgage. Request a connection and your loan officer will make the introduction.

Three paths under one roof

Nonprofit credit counseling

One-on-one with a HUD-certified, NFCC-member counselor: full credit review, a personalized plan, and monthly check-ins—typically a few months to goal.

Nonprofit debt management

When high balances or DTI is the blocker, a nonprofit program negotiates with creditors and consolidates into one structured payment—not debt settlement or credit repair.

CredEvolvIQ (DIY)

A self-guided credit-building subscription with score monitoring and a personalized roadmap—if you prefer to move at your own pace.

  • Nonprofit counseling and debt help—not for-profit credit repair
  • You’re matched to the path that fits; progress can be shared back with your loan officer
  • Available in all 50 states; programs are typically paid by you, not the lender

Read more on CredEvolv’s solutions

LoanSense
Lower student loan payments, unlock more home

LoanSense builds a personalized student-loan plan—repayment options, forgiveness paperwork, and private-loan refinance shopping—so lower monthly payments can improve your debt-to-income ratio and how much home you may qualify for.

How LoanSense helps

Federal repayment & forgiveness

A personalized plan for income-driven repayment and forgiveness pathways, with expert help on the forms so you don’t go it alone.

Private loan refinance options

Shop refinance options for private loans through LoanSense’s lender partners—your advisor helps keep federal forgiveness eligibility in mind when it applies.

Faster paperwork for underwriting

Filing support and document tracking so your lower payment can be shared with your loan officer—often in about three weeks instead of months of DIY.

  • Free preliminary plan to estimate payment reduction and home-buying room
  • Covers federal and private student loans—with refinance guidance that protects forgiveness when it matters
  • Concierge options include advisor Q&A and e-filing help for mortgage qualification
Explore LoanSense

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Read more on LoanSense

How Refinancing Works

1

Get pre-qualified

Share your goals and current loan details. Free, no obligation—we'll point you to the right path.

Get Qualified
2

Gather what you need

Streamline paths often need less paperwork; full conventional and assist programs may need income docs.

3

Underwriting & review

We confirm eligibility, net tangible benefit where required, and lock terms that fit your goals.

4

Close & save

Close on your new loan and start benefiting from the lower payment or cash-out proceeds.

Key facts about refinancing

Refinance FAQ

Which refinance program fits my loan?

It starts with the loan you already have. FHA Streamline is for existing FHA loans; VA IRRRL for existing VA; USDA Streamlined Assist for existing USDA; RefiNow/Refi Possible for certain Fannie/Freddie conventional loans; and conventional rate-and-term when those specialty paths do not apply.

What is the difference between FHA Streamline and VA IRRRL?

Both are simplified refinances of the same agency loan type. FHA Streamline is for FHA-to-FHA and must show a net tangible benefit. VA IRRRL is a VA rate-reduction refinance with its own benefit and fee rules. Neither is a cash-out program.

Who qualifies for USDA Streamlined Assist?

You generally need an existing USDA loan, a meaningful payment reduction, and income that still meets USDA eligibility. This path is not for cash-out, and property/rural rules still apply.

What are RefiNow and Refi Possible—and when is standard conventional better?

RefiNow (Fannie) and Refi Possible (Freddie) are AMI-targeted assist programs for loans owned by those GSEs and require full documentation. If your income is above AMI limits, your loan is not Fannie/Freddie-owned as required, or you need a full conventional refinance, standard conventional rate-and-term is usually the better fit.

Cash-out refinance vs rate-and-term—what's the difference?

Rate-and-term refinances your balance (and allowable costs) to improve rate, term, or payment. Cash-out increases the loan to take equity as cash. Streamline/IRRRL/assist programs are generally rate/term only—not cash-out.

Should I cash out or use a HELOC?

Cash-out replaces your first mortgage with a larger one. A HELOC is a separate line of credit against equity and can be a better fit for shorter-term or flexible draws. Compare both—start with Get Qualified or explore Home Equity.

Ready to Lower Your Rate?

Let's find the right refinance for the loan you already have—whether that's FHA Streamline, VA IRRRL, USDA, conventional assist, or a full rate-and-term.

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Kyle Kiss

Mortgage Advisor

Kyle Kiss

I specialize in helping homeowners refinance—whether you want a lower payment, cash-out equity, or a streamlined path like FHA Streamline or VA IRRRL. I'll help you find the best fit for your goals.

Get QualifiedCompare HELOC