Refinance Rate and Term

A rate-and-term refinance allows you to replace your existing mortgage with a new one, changing the interest rate, the loan term, or both.

This type of refinance does not provide cash back to the borrower but may help lower your monthly payment, reduce the total interest paid, or shorten the time it takes to pay off your home.

Borrowers may choose this option to move from an adjustable-rate to a fixed-rate mortgage, take advantage of lower market rates, or adjust their loan term to better fit financial goals. Eligibility and savings depend on factors like credit profile, current loan balance, and market conditions.

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