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Refinance Your Mortgage

Refinancing your home loan is a great way to lower your monthly payment. Depending on how you choose to refinance, you have the option of lowering your interest rate, changing your loan term, or even getting cashback.
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When You Should Refinance Your Home

Refinancing your mortgage loan lowers your overall monthly payment, which helps you build equity in your house quicker. A lower interest rate allows you to pay more towards the principal on your loan, meaning more equity in your home.


Get a Rate Quote

Get rate quote from our preferred partner New American Funding

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Refinance Basics

Get prepared to refinance your mortgage with our knowledge-base of loan options and mortgage resources.

  1. Refinancing Tips – A great place to start if this is your first time refinancing your mortgage. We’ll guide you step-by-step through your refinance experience.
  2. Get Your Personal Finances in Order – Learn how to get your personal finances perfectly positioned to qualify for a mortgage.
  3. Understand Your Credit Report and Score – The credit score is one of the most critical and misunderstood parts of the mortgage loan process.
  4. Understanding Your Mortgage Options – Chances are you qualify for several mortgage options, learn how to pick the best one for your situation.

Do It Yourself Mortgage Analysis

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Refinance Mortgage

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Questions We Get About Refinancing a Mortgage

What can I do with a home refinance?

Lower your interest 
Access your home’s equity
Change your loan term
Get out of an FHA or conventional loan 
Stop paying PMI 

How do I start a refinance?

You don’t necessarily have to go back to the lender you bought the home through to refinance. My Perfect Mortgage can help you find the perfect refinance lender for you.

How do I prepare for a home refinance?

It helps if your credit score and debt-to-income ratio is better than it was with your original loan. However, if you can qualify with where you’re at right now, you’ll only need to worry about covering closing costs.