Why people refinance
A lower rate
When rates have moved enough that a new loan pays off after the costs of getting it.
Drop mortgage insurance
If your home's value has grown or your balance has come down, a new loan may let you leave mortgage insurance behind.
Change the term
Shorten it to pay off sooner, or lengthen it to give your monthly budget more room.
Cash out
Replace your loan with a larger one and use the difference for projects, debt, or other plans.
How Greg reviews it
Your loan and your goals
We start with your current loan, how long you plan to stay, and what you want the new loan to do.
The full picture
We run the numbers with you, including closing costs and how long it takes for the new loan to pay off.
A straight answer
If refinancing does not make sense right now, we will tell you and keep an eye on it for you.
Already have a quote?
Send it over and we will review it with you, line by line.