A refi should pay you back. If it doesn't, I'll tell you.
I'd rather lose a deal than put you in one that costs more than it saves. We'll look at your break-even, your total interest and your goals, then decide together.
Lower my payment
A rate-and-term refinance can lower your rate, change your term, or both.
See if it makes sense →Take cash out
Turn home equity into cash for renovations, debt payoff, or your next investment.
How it works →Drop mortgage insurance
If your home has gained value, you may be able to stop paying PMI or FHA MIP.
Quick check →Refinance a rental
DSCR rate-and-term and cash-out, qualifying on the property's rent.
Investor options →Your equity is money. Let's use it wisely.
A cash-out refinance replaces your current mortgage with a larger one, and you get the difference in cash. Common uses:
- Renovations and repairs that add value
- Paying off high-interest credit cards or loans
- A down payment on a rental or second home
Want to keep your current first mortgage? A HELOC might be a better fit.
Paying PMI or FHA MIP? You might not have to.
Home values in many parts of Florida have changed a lot in recent years. If you now have enough equity, refinancing from FHA to conventional, or asking your servicer to remove PMI, could lower your payment.
Quick check
Take your estimated home value and subtract your loan balance. If that's around 20% of the value or more, let's talk.
Book a 15-minute review →Three numbers I look at before I recommend anything
Break-even
How many months until your monthly savings cover the closing costs. If you'll move before then, it may not be worth it.
Total interest
Restarting a 30-year loan can lower the payment but raise the total you pay. I'll show you both.
Your goal
Lower payment, faster payoff, or cash in hand? The right answer depends on what you're trying to do.
“We had been working on this dream for over 3 years with 4 different loan officers. … When we felt down and hopeless, he gave us hope.”
39 client reviews on Experience.com →
Excerpt from a client review on Experience.com, shortened where marked with “…”. Individual results vary. Not all applicants will qualify.