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Rate & Term Refinance
What It IS
A refinance that replaces your current mortgage with a new one to lower the interest rate, change the loan term, or bothwithout taking cash out.
Best For
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Homeowners looking to lower monthly payments
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Borrowers wanting to switch from adjustable to fixed rate
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Those aiming to pay off the loan faster
Key Highlights
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Lower interest rate opportunity
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Shorter or longer loan term options
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No cash back (except small closing cost adjustments)
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Improves loan structure
Why It’s Popular
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Helps save money on interest and improve loan stability without increasing debt.
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