Refinance

Refinancing can be done for many different reasons. The myth is you only refinance to lower your interest rate which is not true. People refinance for many reasons, such as pulling cash out to consolidate debt/fund other large purchases as well as a variety of other reasons to save money. A loan officer can discuss your plans and goals to determine if a refinance makes sense to you.

Find the perfect home loan

Benefits of Refinancing

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Consolidating Debt to Improve Overall Cash Flow

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Reducing Monthly Mortgage Payments

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Funding Large Life Events Such as College Tuition, Home Improvements, Weddings, etc.

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Adjust Term to Save Money in the Long Run

Find out what you qualify for.

Different Refinance Options

  • Cash in
  • Cash-out
  • ARM to fixed
  • Shorten loan term
  • Removing someone from or adding someone to the loan

Getting Started is Simple

Meet with a Loan Officer

Click the “Get Started” button on the top right corner of this page and fill out the form. Once receive your form, a Loan Officer will review it before reaching out to gather more information about your specific situation.

Get Pre-Approval

You will provide us with some documentation and start your application. We will use that information to provide you with a formal pre-approval letter so you know how much home you qualify for.

Start Looking for Your Dream Home

Now you can get with your Realtor to find your dream home and put in a strong offer. We provide a variety of different programs to help your offer stand out.

Learn more about Refinancing

Frequently Asked Questions

Refinancing may be worth considering when a lower interest rate, reduced monthly payment, shorter loan term, or access to home equity supports your financial goals. Compare savings, closing costs, and break-even timing first.

A cash-out refinance replaces your existing mortgage with a new loan and provides cash from available equity, while a HELOC creates a separate credit line. The right option depends on your goals, rates, equity, and repayment preferences.

The timing depends on your current mortgage, loan program, lender requirements, credit profile, and equity. Some homeowners may refinance relatively soon, while others may need to meet specific seasoning or eligibility requirements.

Refinance closing costs in North Carolina can include appraisal, lender, title, recording, prepaid interest, and other fees. Costs vary by loan amount and transaction, and some may be rolled into the new mortgage.