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Refinance Your Mortgage and Save
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Start saving $500-$1,000 a month.
Lower your interest rate
Drop mortgage insurance
Shorten your loan term
Learn more about the refinance options we have for you.
Pay your loan off sooner. Lower rates, less interest, and hundreds of thousands of dollars in long term savings.
If you're a homeowner in need of money — and have equity in your home — you may be able to convert that equity to cash!
VA Home Loans
Reduce your rate, shorten your term, or even take cash out — accessing up to 100% of your home's value.
FHA Home Loans
Better rates and more savings. Plus, you may not need an appraisal if you already have an FHA home loan.
Your Term, Your Mortgage
We make it easy to qualify for a mortgage. Keep more of your money every month, without resetting your loan term.
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Want more information on refinancing?
Visit one of our expert learning center articles to learn more.
Guide to Home Mortgage Refinancing
Use this quick mortgage refinancing guide to understand and compare your refinancing options, estimated costs, and how to prepare to refinance your existing home loan.
Should I Refinance My Mortgage?
There are many benefits to refinancing, but do they make sense for you? Learn about options and ask yourself these questions before making a decision.
Paying Off High-Interest Debt with a Mortgage Refinance
Paying off debt can take forever. It piles up fast. But, there are solutions. If you have home equity, a mortgage refinance can help. Here's how.
Learn more about the American Financing customer experience on
Common refinance questions
How do I know if I should refinance?
If your payment is too high, your interest rate is higher than current rates, you're looking to consolidate debt, or you want to own your home sooner — consider a refinance.
How can I lower my monthly payment?
Interest rates are near historic lows. If your current rate is 1-1.5% higher than market rates, lower it. There are no upfront fees and you can save hundreds each month.
How can I access cash to pay off debt?
Ask for a cash-out refinance. Use your home equity to take money out for paying debt, college loans, even home improvements that will in turn increase your home value.
How can I increase my home equity?
Equity increases naturally as you pay down your mortgage balance. You can also help it grow by completing home improvement projects or renovations.