
Weigh the Pros and Cons
If there has been a change in your finances, mortgage rates, or housing plans then a refinance might be a good choice. Check out our refinance calculator or call a loan officer to see if a refinance is the right move.
How Much Could You Save?
Annual Savings*
$2500
Monthly Payment Savings*
$0
New Monthly Payment*
$0
Difference in Interest*
$0

Get Your Documents Together
Pull your own credit report and check for errors or ways to improve your score. Start saving income and asset records. Take a look at the suggested documents you'll need.
See Suggested Documents
Fill out the Application
With your documents in order, it's time to start the application process. Or, get in touch with a loan officer to help you through every step of the way.
Apply Now
Get a Loan Estimate
Review fees and closing costs for your loan and decide if the loan terms and monthly payment are a good fit. Give the Truth in Lending disclosure (TIL) a quick read so you know your rights and responsibilities.

Formal Offer
If you are comfortable with the terms, it's time to make it official and formalize the loan agreement.

Home Appraisal
A professional will determine the estimated market value of your property by comparing it to recent sales in the area. The appraised value is a consideration in determining the amount and terms of your new mortgage.

Closing the Loan
Once we have agreed on all the details, we will close and fund the loan. There are some costs involved for the appraisal, origination, and title.
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FAQ
- What is a reverse mortgage?
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A special type of home loan that allows you convert some of the equity in your home into cash. You built up equity in your home by making... Read More.
A special type of home loan that allows you convert some of the equity in your home into cash. You built up equity in your home by making mortgage payments over many years. The equity can be paid back to you. You will retain the title and ownership during the life of the loan, and you can sell your home at any time. The loan will not become due as long as you continue to live in the home, maintain your home and pay your property taxes and homeowners insurance
Read Less Still have questions? Ask Us. - How Does a Reverse Mortgage Work?
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Reverse Mortgages allow you to tap the equity in your home without making a monthly mortgage payment. Depending on your age, home value a... Read More.
Reverse Mortgages allow you to tap the equity in your home without making a monthly mortgage payment. Depending on your age, home value and equity, you may be able to access that equity in the form of cash. This can be delivered to you in one of four ways:
Lump sum at closing. Cash to you after the loan closes.
Receive funds as a monthly payment to you for either a set period of time or lifetime, depending on your needs.
Maintain funds as a Line of Credit where you can draw money as you need it, when you need it, in an amount you control. The unused Line of Credit will grow every month increasing the amount of money available to you regardless of your current property value. The “Growth feature” creates a wonderful hedge against inflation and property fluctuations.
Any combination of the above.
You can change your options as frequently as you like. This is truly the mortgage of choice and flexibility!
Read Less Still have questions? Ask Us. - With a Reverse Mortgage, do I still own my home?
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You will retain the title and ownership during the life of the loan, and you can sell your home at any time. The loan will not become due... Read More.
You will retain the title and ownership during the life of the loan, and you can sell your home at any time. The loan will not become due as long you continue to live in the home, maintain your home, and pay your property taxes and homeowner's insurance.
Read Less Still have questions? Ask Us.
Glossary
- Adjustable Rate Mortgage (ARM)
- A mortgage in which the interest rate is adjusted periodically based on a pre-selected index. It is also sometimes referred to as the renegotiable-rate mortgage, variable-rate mortgage, or Canadian-rollover mortgage.
- Adjustment Interval
- On an adjustable-rate mortgage, it is the time between changes in the interest rate and/or monthly payment — typically one, three or five years, depending on the index.
- Annual Percentage Rate (APR)
- An interest rate reflecting the cost of a mortgage as a yearly rate. This rate is likely to be higher than the stated note rate or advertised rate on the mortgage because it takes into account points and other credit costs. The APR allows homebuyers to compare different types of mortgages based on the annual cost for each loan.