Why Refinance?

Refinancing your mortgage offers the opportunity to adjust the terms of your loan to better suit your financial goals, whether it’s shortening the loan term, switching to a fixed-rate mortgage for stability, or accessing equity for other investments or expenses. By reassessing your mortgage, you can potentially optimize your financial situation and achieve greater long-term savings.

Get Started

Types of Refinancing

Homeowners can explore different refinancing options depending on their specific financial needs.

Rate-and-Term

A rate-and-term mortgage refinance is the replacement of an existing mortgage with another mortgage under different terms.

Change payoff term
Save on interest
Lower monthly payments
Lower interest rate
Learn More

Cash-Out

A cash-out refinance allows homeowners to access home equity by replacing their mortgage with a larger loan and receiving cash back.

For home improvement, debt, college, etc.
Equity taken out of home in cash
Higher monthly payments
Higher mortgage balance
Learn More

Reasons to Refinance

Lower Your Interest Rate

If your interest rate is higher than the current rates, refinancing can save you up to thousands of dollars.

Lower Your Monthly Payment

Refinancing resets your loan term, which can dramatically lower your monthly payment.

Pay Off Your Mortgage Faster

You can refinance into a 10 or 15 year loan term to save on interest and pay off your mortgage quicker.

Use Equity to Get Cash

You can use the equity in your home to get cash for other expenses, such as home improvement or other debt.

How to Refinance a House

Our refinance process has been carefully designed, with you in mind. Making it easier, faster, and strategically smarter.

Step 1: Know Your Goals

Determine why you want to refinance, whether it’s to lower your monthly payments, shorten your loan term, of access equity.

Step 2: Meet Lender

Arrange a meeting to explore refinancing options offered, including potential savings, new terms, and special programs

Step 3: Prep Work

Gather necessary paperwork, like income statements and mortgage details, for the application process.

Step 4: Submit Application

Download the Fluid App, fill out your information, and submit necessary paperwork for the application process.

Step 5: Approval Process

Your loan officer will review your application and financial documents, and possibly order an appraisal.

Step 6: Time to Close

Once approved, schedule a closing to sign new loan documents and pay any associated closing costs.

Get Started

Educational Resources

Empowering you with tools to reach your goals.

Apply, Upload, and Close – All with the Fluid App

Stay secure, stay connected, and let RWM guide you home with the convenience of the Fluid App. Designed for today’s lifestyle, it lets you manage your entire home loan process from your phone—anytime, anywhere.

SECURE DOCUMENT SCANNER
FAST & EASY PROCESS
REAL TIME LOAN UPDATES
Constant communication of needs and issues. Drafting of key documents in timely way. Friendly interactions and commitment to service.
Noah B.
Good communication, great staff and high level of professionalism.
James G.Company Name
The team was tremendously attentive to our every need and only had our goals and best interests in mind. Would work with them again anytime.
Brian S.Company Name
Everyone on the team was really professional, helpful and dedicated to make the whole process as smooth as possible. Whenever we had a question or concern, we always received a prompt reply.
Andriry K.Company Name
Extremely responsive, website was brilliant, clear list of what we needed and stayed on us until it was complete, knew who to send us to for tax transfer from our previous house. We will definitely refer our friends and family to RWM.
Kirk C.Company Name
The communication on the process and the ability to sign documents electronically was a life saver. The availability and speed of answers were great.
Angelina B.Company Name
You helped me understand all my options, which made me feel more confident in the decision I had to make. You were on top of everything that had to be done and kept things moving in an efficient way.
Julie M.Company Name
The team was easy to work with and willing to answer all of my questions. They even worked with a notary in North Carolina so I didn’t miss my vacation.
Melody T.Company Name
Everything was fully explained from the beginning, and I felt like we worked as a team when we went step by step in our journey of getting financed for our first home.
Ana E.Company Name
Buying a house can be overwhelming but when you have someone you trust it makes it so much easier. We felt assured that we were in good hands and that we would get to the finish line during the escrow process.
Cassandra C.Company Name

5.0

605 Reviews

4.95

15,266 Reviews

4.9

194 Reviews

Scroll to Top