Refinancing gives you access to the equity you’ve built in your home. With a variety of options for our borrowers, Change Home Mortgage helps you determine whether refinancing is a smart financial move for you. As interest rates reach historic lows, now is a good time to consider refinancing your mortgage loan. We help you find the right loan so you can move into the home of your dreams.


Lower Your Mortgage Payment

When interest rates drop, your credit improves, or the equity in your home has increased, refinancing can decrease your monthly payments when you refinance to a lower rate and build equity faster.

Get Cash Out Of
Your Property

There are many reasons to choose cash-out refinancing, like using the equity you’ve built in your property to make home improvements, pay for a child’s education, or pay off unexpected medical bills.

Pay Off Your
Mortgage Faster

When you want to take advantage of lower interest rates to build equity in your home faster, refinancing to a shorter-term mortgage can be an attractive choice. When you change from a 30-year mortgage to a 15-year mortgage, for example, you reduce total interest costs by paying off the loan sooner and save money over the long term, though your monthly principal payments may be higher.

Consolidate Debt

Free up monthly cash by consolidating consumer debt interest to an interest-deductible mortgage loan, roll high-interest consumer debt into a lower-interest loan, and reduce monthly payments by spreading out the payments over 30 years.

Convert to a
Fixed-Rate Mortgage

When you want predictable payments over the long term, switching from an adjustable-rate mortgage to a fixed-rate loan can give you the peace of mind that your payments will not increase when interest rates change. You lock in a lower rate that will not fluctuate.


Refinancing doesn’t have to be stressful. We’ll walk you through the process.


Talk to your mortgage advisor to determine whether refinancing makes sense for you. Consider whether the payoff justifies the costs, long-term financial impacts, and payback period.



Gather documents and submit your application. Then we’ll order an appraisal and analyze your credit, income, and assets.



You may be asked for more information while your file is being underwritten. Communicate with your Change Home Mortgage advisor for updates.



It’s official! Soon after signing the loan documents, you’ll receive your funds.


Our mortgage advisors are here to help.

Don’t take our word for it, our customers tell our story best

"Being a first-time homebuyer comes with its own set of challenges, facing the unknown, getting the required documents, and trying to decide what loan product best meets our needs. We contacted Change and our fears were immediately put to rest.”

- Toi

"Change Home Mortgage has always been my go to for my real estate clients, so when it came time for my husband and I to do a refi of our own home,  it was a no brainer. I knew that Change would take care of us and put us in the best possible position. They made the process very easy from start to finish, despite COVID.”

-  Kristin

“When we first decided to buy our first home, we were initially afraid of the process. Once we decided on the neighborhood we wanted to live in, we talked to quite a few neighbors in the area, and they all recommended Change. The team did an outstanding job of educating us on the process of buying a house from start to finish. We are currently living our best lives in our dream home, thanks to Change.”

– James