All Refinance Loans
Refinance Loans
Conventional Refinance
Lower your rate, shorten your term, or switch from adjustable to fixed.
A conventional refinance replaces your current mortgage with a new one — ideally at a better rate or more favorable terms. It's the most straightforward path to lowering your payment.
Key Features
- • Lower your interest rate and monthly payment
- • Switch from adjustable to fixed rate
- • Shorten your term from 30 to 15 years
- • Remove PMI if you've reached 20% equity
- • Closing costs typically 2–3% of loan amount