Lower your payments or get cash out

Refinancing your home is a great way to achieve your financial goals and give you peace of mind. Whether you’re taking out a home equity loan, a home equity line of credit, or doing a cash-out refinance, you can rest easy knowing you’re in control.

Traditional mortgage refinance

A mortgage refinance essentially means replacing your current mortgage with a completely new one. Your principal, rate, and terms will be different.

With a mortgage refinance, you can

Cash-out mortgage refinance

Another refinancing option that replaces your current mortgage is a cash-out refinance. You’ll get a loan for more than what you currently owe on your home and pocket the difference.

With a cash-out refinance, you can

Home equity line of credit (HELOC)

HELOCs allow you to borrow against the equity in your home. HELOCs are flexible because you only borrow what you need and the money borrowed can be used for anything, though it’s recommended to use it for things like medical bills, college tuition, or paying down high-interest debt. HELOCs are a type of second mortgage and do not replace your current mortgage.

With a HELOC, you can

Home equity loan
Home equity loans are similar to HELOCs in that you are using the equity in your home as collateral to borrow money. Where they differ is that home equity loans provide you with a lump sum of money at a fixed interest rate, in contrast to a line of credit.

With a home equity loan, you can

*Consult a tax advisor regarding the deductibility of interest

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