You might refinance to lower your rate, shorten your term, switch from an adjustable to a fixed loan, or consolidate debt. A good rule of thumb: calculate the total cost of the refinance and divide it by the monthly savings—that’s your break-even point. If you plan to stay in the home past that date, refinancing likely makes sense.

That just means you’re showing your full financial picture—income, assets, and employment. We verify bank statements, pay stubs, and W-2s to confirm your ability to repay. It’s the most traditional, reliable loan method and gives lenders confidence in your application.

Within three business days of your application, we’ll send you a loan estimate. It’s a detailed breakdown of your anticipated closing costs, interest rate, and monthly payment. It makes everything transparent, so you know exactly what you’re looking at before moving forward.

A conforming loan follows the size and underwriting rules set by Fannie Mae and Freddie Mac—the big government-backed buyers of mortgages. These loans typically offer competitive rates and are easier to qualify for.

Anything above the conforming loan limit in your area is considered a jumbo loan. It’s a higher-dollar mortgage that goes beyond Fannie Mae or Freddie Mac guidelines. Jumbo loans come with their own terms, so let’s chat if that’s what you need.