Lower your payment
Reduce your monthly payment and save money by paying less interest.
Change your terms
Shorten your term or change from a variable rate (ARM) to fixed rate.
Renovate your home
Use cash from equity in your home to renovate and make updates.
Eliminate or reduce debt
Pull cash out of your home and payoff or lower debt.
How It Works
1
Application
Apply through your customized application.
We only ask the important questions.
What To Expect
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Complete an application
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Speak with a Prequalification Specialist
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Connect with your personal Mortgage Advisor
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Discuss your refinance goals
What May Be Requested
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Personal Information
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Documentation for processing
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Review and sign disclosures
2
What To Expect
Processing
Complete the initial steps of the refinance process with us. Finalize an action plan and begin our streamlined refinance process.
- Documents reviewed by processor
- Employment and income verified
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Call with Mortgage Advisor
What May Be Requested
-
Appraisal
1
Appraisal may not be needed.
1
3
What To Expect
Underwriting
Documentation is analyzed and confirmed. There may be an an initial conditional approval followed by a final clear-to-close.
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Completed appraisal report
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Initial underwriter approval
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Call with Mortgage Advisor
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Final clear-to-close by underwriter
1
What May Be Requested
-
Additional documentation
4
What To Expect
Closing
Congratulations! You've made it to the finish line. Prepare yourself for signing.
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Review closing documents
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Existing mortgage is paid off
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Receive escrow refund
2
What May Be Requested
-
Identity verification for signing
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Payment for closing
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Sign closing documents
