Refinance
Purchase
Loan Options
Apply
Calculators
Mortgage Basics
Learn mortgage basics to better understand your home financing options.
Saving Money
Save more money by learning insider information on mortgages, rates, housing tips, and more.
Purchase
Our mortage consultants can guide you through the home buying journey.
Refinance
Refinancing could help you reach your goals faster. Get to know you options!
Market watch
Everything you need to know about the current housing and mortgage market.
Lifestyle
Stay up to date with the latest trends in home improvement, design, technology, and wellness.
Reverse mortgage
Let us guide you through reverse mortgage qualifications and benefits.
Who we are
Learn how we've grown to be one of the nation's most trusted lenders.
Reviews
Read our reviews from trusted sites and see why our customers see us as the best mortgage lender.
Give back
We're honored to give back to charities and help support the people and communities we serve.
Endorsers
Get to know the radio and television personalities who proudly endorse us.
Awards
We're recognized by local and national companies for our customer service and responsible lending.
Careers
Learn about our collaborative work culture and find open job positions.
Contact us
Contact a mortgage consultant for answers to you home purchase or refinancing questions.
Schedule appointment
Quickly and easily schedule an appointment with a mortgage consultant.
(800) 910-4055
Call
Text
Sign In
Mortgage rates continue to drop. Buy or refinance now, and save! Call us or apply below.

Refinance Your Mortgage and Save

By submitting this form, I am providing express consent for American Financing to contact me, including through the use of an automated dialer, voice or text, at the number above, even if my telephone number is listed on any Do-Not-Call list. I understand that I do not have to consent to receive such calls or text messages in order to purchase goods or services from American Financing.

4.8
3,600+ Google reviews
4.9
1,000+ Zillow reviews
4.9
700+ BBB reviews

Salary-based mortgage consultants

Start saving $500-$1,000 a month.

Consolidate high-interest debt

Lower your interest rate

Drop mortgage insurance

Shorten your loan term

Learn more about the refinance options we have for you.

15-Year Mortgage

Pay your loan off sooner. Lower rates, less interest, and hundreds of thousands of dollars in long term savings.
LEARN MORE

Cash Out Refinance

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!
LEARN MORE

VA Home Loans

Reduce your rate, shorten your term, or even take cash out — accessing up to 100% of your home's value.
LEARN MORE

FHA Home Loans

Better rates and more savings. Plus, you may not need an appraisal if you already have an FHA home loan.
LEARN MORE

Credit Care

Don't let your credit keep you from applying. Experience greater flexibility when it comes to mortgage approval.
LEARN MORE
VIEW MORE OPTIONS

Want more information on refinancing?

Visit one of our expert learning center articles to learn more.
Couple discussing mortgage refinancing with mortgage expert
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.
READ MORE
Couple on couch thinking about a home refinance
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.
READ MORE
Calendar on 20th day noting pay of debts date
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.
READ MORE

Customer reviews

Learn more about the American Financing customer experience on Trustpilot.

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 you 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 you 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.
VIEW ALL