Refinance and Save

Secure a lower rate on your existing loan and pay less.

Refinancing your mortgage can produce substantial benefits. Let our experienced, licensed loan officers guide you.

  • Reduce your monthly payments
  • Increase your cash flow
  • Shorten the length of your loan term
  • Pay less in interest overall


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Refinance with Cash Out

If the value of your home is more than what you owe, you can borrow some of that equity.

You pay off your mortgage and receive the remaining funds in a lump sum without having to take out a second loan. You can use the money for anything you want. Home improvement and debt consolidation are popular uses.


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How Much Can I Save?

When trying to decide if refinancing is the right move, timing and math play important roles. Use our calculator to:

  • Calculate how much you need
  • Find out how much you might save
  • Discover your new monthly payment


Calculate Your Savings

Meet Your Team

Let us help you navigate your home-buying journey. Get to know the experienced Mortgage Loan Officers on our team.

  • See bios of team members
  • Choose a Mortgage Loan Officer
  • Referred? Connect with your MLO.
  • Reach out for a loan or guidance


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Feel at Home with Our Team

Finance your dreams and enjoy the home-buying journey with the Homeowners Advantage team.

Our lending specialists offer a no-obligation consultation. You'll discover a loan option that's just right for you.

Learn About Buying a Home

Questions about the servicing of your mortgage? The Mortgage Servicing team is here to help.

Learn More

Find answers to topics such as automatic payments, mortgage payoff, tax forms, home inspections, and more.

Get Your Answers

APR = Annual Percentage Rate. All rates quoted are the lowest rates and are for individuals with excellent credit. Individuals with less than excellent credit may be offered a higher rate. 

Information is based on a loan amount of $160,000, credit score above 740, and loan-to-value at or below 60%. Your actual annual percentage rate may be different. Representative payment for a 30 year fixed mortgage at 7.250% with a 7.421% APR is $6.64 per $1,000 borrowed. Rates are accurate as of   and are subject to change without notice. If an escrow account is required or requested, the actual payment will also include amounts for real estate taxes and homeowner's insurance premiums. Ask about other rates and terms.