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Ready to Refinance?

Know the steps to a successful refinance.
Mortgage rate change. Could you be saving money?

Weigh the Pros and Cons

If there's been a change in your finances, mortgage rates, or housing plans, then refinancing might be a good option. Use our refinance calculator or call a loan officer for a free, no-obligation review of your current loan.

How Much Could You Save?

Annual Savings*


Monthly Payment Savings*


New Monthly Payment*


Difference in Interest*


Your Refinancing Journey Simplified


Gather Your Documents

Obtain your credit report and carefully review it for errors or opportunities to enhance your score. Start saving records of your income and assets, and take a closer look at the suggested documents you'll need.

View Docs

Application Process

Now that your documents are in order, you can either begin the application process or contact a loan officer for assistance through every step of the way.


Review Your Loan Estimate

Examine the fees and closing costs associated with your loan, assessing whether the loan terms and monthly payment suit your requirements. Take a moment to read through the Truth in Lending (TIL) disclosure to familiarize yourself with your rights and responsibilities.


Accept the Formal Offer

If the terms meet your satisfaction, it's time to officially formalize the loan agreement.


Property Appraisal

A professional will assess the estimated market value of your property by comparing it to recent sales in the area. The appraised value plays a role in deciding the amount and terms of your new mortgage.


Closing Your Refinancing Loan

Upon reaching an agreement on all details, we will proceed to close and fund the loan. Please note that there are associated costs for the appraisal, origination, and title.



What is a reverse mortgage?

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

How Does a Reverse Mortgage Work?

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!

With a Reverse Mortgage, do I still own my home?

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.