Refinancing · Change the loan you have

Make your mortgage fit the life you have now.

A refinance replaces your mortgage with a new one: to change your rate or your payment, move from an adjustable rate to a fixed one, shorten your loan or remove mortgage insurance. Your loan officer shows the costs next to the savings, so you decide with real numbers.

See your break-even point, and a straight answer if refinancing doesn’t add up.

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What to know.

The essentials, in plain English.

A straight answer on whether it’s worth it
You see your closing costs next to your savings and the break-even point, and you hear it plainly when refinancing doesn’t add up.
Change what isn’t working
Move from an adjustable rate to a fixed one, change your loan length, or take a co-borrower off the loan.
Leave mortgage insurance behind
If your home has gained value or you’ve paid down your balance, a refinance may be a way to drop mortgage insurance.
Streamlined options for FHA and VA
If you already have an FHA or VA loan, a streamlined refinance can mean less paperwork.

What happens after you press the button.

Your loan officer reaches out
Andrew reads what you send personally and gets in touch to talk it through.
What you’ll talk about
Your current balance and rate, what you want to change, and how long you plan to stay in the home.
What to have handy
Your latest mortgage statement, if it’s nearby. It answers most questions about your current loan.
  1. A brick colonial home at dusk after a light snow

    Who it fits

    Homeowners whose current loan no longer fits their goals.

    • Owners who want a different rate or loan length
    • Owners with an adjustable rate who want a fixed one
    • Owners paying mortgage insurance who’ve built equity
    • Owners with an FHA or VA loan weighing a streamlined refinance
  2. A laptop and papers on a kitchen table in morning light

    What you’ll need

    Your loan officer confirms the list for your refinance.

    • Your latest mortgage statement
    • Recent pay stubs, W-2s and tax returns
    • Your homeowners insurance details
    • Bank statements

Common questions

When does refinancing make sense?

When the savings outweigh the costs over the time you expect to keep the loan. Your loan officer can show you the break-even point for your numbers.

Will refinancing restart my loan?

A new loan starts a new schedule, and you can choose a shorter one to keep your payoff date on track.

Refinance or a HELOC?

If you want to change the rate or terms on your whole loan, a refinance does that. If you like the mortgage you have and need cash, a HELOC keeps it. Your loan officer can compare both.

How much does it cost to refinance?

A refinance has closing costs much like a purchase: lender fees, an appraisal and title costs. Your Loan Estimate lists them, and some can be rolled into the new loan.

Can I refinance if my credit isn’t perfect?

Often, yes, depending on the loan. If you already have an FHA or VA loan, a streamlined refinance may be an option.

What is a streamline refinance?

A simplified refinance for borrowers who already have an FHA or VA loan, with less paperwork and often no appraisal.

Can I remove mortgage insurance by refinancing?

If your home’s value has risen or you’ve paid down your balance, refinancing into a conventional loan may let you drop it. Your loan officer can check whether your equity is there.

How soon after buying can I refinance?

It depends on the loan, and some refinances have waiting periods. Your loan officer can tell you when you’re eligible.

Will checking my options affect my credit?

Answering a few questions doesn’t check your credit. A credit check comes later, only with your permission, and your loan officer can explain how it may affect your score.

What if I don’t qualify?

Your loan officer tells you why and what would change the answer, such as more equity or a different program. Your current loan stays as it is.

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“Tanner Orr was extremely helpful guiding me on my website and lead generation strategy. I have been a client for 18+ months and the website they put together for me is exactly what I need. I have some new ideas to work with and just paid for another year in advance because I'm super confident with what they can help me with. Thanks again Leadpops / Rebel IQ! Definitely will recommend them to others.”

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Eric Vander Werff4 months ago

“Tanner Orr at Rebel iQ has truly gone above and beyond for me. He helped me get started with my marketing during a very difficult time and worked with me when he easily could have treated me like just another customer. Tanner genuinely cares about my situation, my business, and helping me succeed. His patience, understanding, and support have meant more to me than he probably realizes. Because of how he has treated me and everything he has done to help me grow, I plan to continue working with him and Rebel iQ for a long time. I highly recommend Tanner to anyone looking for someone who truly cares about their clients.”

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Quang Tran2 months ago

“Jasper Coraza is hands down the most helpful support specialist. He is incredibly thorough in making sure he fully understands each request, and he consistently follows through with clear communication. He also does an excellent job of offering solutions when a specific request can’t be completed, rather than simply saying no.”

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Vivian Shlemon7 months ago

“Tanner Orr was extremely helpful guiding me on my website and lead generation strategy. I have been a client for 18+ months and the website they put together for me is exactly what I need. I have some new ideas to work with and just paid for another year in advance because I'm super confident with what they can help me with. Thanks again Leadpops / Rebel IQ! Definitely will recommend them to others.”

ER

Eric Vander Werff4 months ago

“Tanner Orr at Rebel iQ has truly gone above and beyond for me. He helped me get started with my marketing during a very difficult time and worked with me when he easily could have treated me like just another customer. Tanner genuinely cares about my situation, my business, and helping me succeed. His patience, understanding, and support have meant more to me than he probably realizes. Because of how he has treated me and everything he has done to help me grow, I plan to continue working with him and Rebel iQ for a long time. I highly recommend Tanner to anyone looking for someone who truly cares about their clients.”

QU

Quang Tran2 months ago

“Jasper Coraza is hands down the most helpful support specialist. He is incredibly thorough in making sure he fully understands each request, and he consistently follows through with clear communication. He also does an excellent job of offering solutions when a specific request can’t be completed, rather than simply saying no.”

VI

Vivian Shlemon7 months ago

“Tanner Orr was extremely helpful guiding me on my website and lead generation strategy. I have been a client for 18+ months and the website they put together for me is exactly what I need. I have some new ideas to work with and just paid for another year in advance because I'm super confident with what they can help me with. Thanks again Leadpops / Rebel IQ! Definitely will recommend them to others.”

ER

Eric Vander Werff4 months ago

“Tanner Orr at Rebel iQ has truly gone above and beyond for me. He helped me get started with my marketing during a very difficult time and worked with me when he easily could have treated me like just another customer. Tanner genuinely cares about my situation, my business, and helping me succeed. His patience, understanding, and support have meant more to me than he probably realizes. Because of how he has treated me and everything he has done to help me grow, I plan to continue working with him and Rebel iQ for a long time. I highly recommend Tanner to anyone looking for someone who truly cares about their clients.”

QU

Quang Tran2 months ago

“Jasper Coraza is hands down the most helpful support specialist. He is incredibly thorough in making sure he fully understands each request, and he consistently follows through with clear communication. He also does an excellent job of offering solutions when a specific request can’t be completed, rather than simply saying no.”

VI

Vivian Shlemon7 months ago

“Tanner Orr was extremely helpful guiding me on my website and lead generation strategy. I have been a client for 18+ months and the website they put together for me is exactly what I need. I have some new ideas to work with and just paid for another year in advance because I'm super confident with what they can help me with. Thanks again Leadpops / Rebel IQ! Definitely will recommend them to others.”

ER

Eric Vander Werff4 months ago

“Tanner Orr at Rebel iQ has truly gone above and beyond for me. He helped me get started with my marketing during a very difficult time and worked with me when he easily could have treated me like just another customer. Tanner genuinely cares about my situation, my business, and helping me succeed. His patience, understanding, and support have meant more to me than he probably realizes. Because of how he has treated me and everything he has done to help me grow, I plan to continue working with him and Rebel iQ for a long time. I highly recommend Tanner to anyone looking for someone who truly cares about their clients.”

QU

Quang Tran2 months ago

“Jasper Coraza is hands down the most helpful support specialist. He is incredibly thorough in making sure he fully understands each request, and he consistently follows through with clear communication. He also does an excellent job of offering solutions when a specific request can’t be completed, rather than simply saying no.”

VI

Vivian Shlemon7 months ago

“Tanner Orr, is the Best! Very knowledgeable and super helpful. He is also very patient and understanding. He has many qualifications. Too many for me to list at the moment now. I definitely recommend his services to anyone looking for a hard-working true professional in the digital marketing space, managing client relationships, building ad strategies and much more!”

JO

John Roberts5 months ago

“I've been a customer of LeadPops/RebelIQ for the past few years for my mortgage broker team website. Jasper Coraza and the development team are always very helpful and accommodating every time I need an update, and their rates are reasonable too. Recently Tanner Orr proactively reached out to me to offer a couple of awesome upgrades at no charge. I'm really thankful to have Tanner, Jasper, and the whole LeadPops team in my corner. Keep up the great work guys!”

TO

Tom Pessemier5 months ago

“Tanner Orr, is the Best! Very knowledgeable and super helpful. He is also very patient and understanding. He has many qualifications. Too many for me to list at the moment now. I definitely recommend his services to anyone looking for a hard-working true professional in the digital marketing space, managing client relationships, building ad strategies and much more!”

JO

John Roberts5 months ago

“I've been a customer of LeadPops/RebelIQ for the past few years for my mortgage broker team website. Jasper Coraza and the development team are always very helpful and accommodating every time I need an update, and their rates are reasonable too. Recently Tanner Orr proactively reached out to me to offer a couple of awesome upgrades at no charge. I'm really thankful to have Tanner, Jasper, and the whole LeadPops team in my corner. Keep up the great work guys!”

TO

Tom Pessemier5 months ago

“Tanner Orr, is the Best! Very knowledgeable and super helpful. He is also very patient and understanding. He has many qualifications. Too many for me to list at the moment now. I definitely recommend his services to anyone looking for a hard-working true professional in the digital marketing space, managing client relationships, building ad strategies and much more!”

JO

John Roberts5 months ago

“I've been a customer of LeadPops/RebelIQ for the past few years for my mortgage broker team website. Jasper Coraza and the development team are always very helpful and accommodating every time I need an update, and their rates are reasonable too. Recently Tanner Orr proactively reached out to me to offer a couple of awesome upgrades at no charge. I'm really thankful to have Tanner, Jasper, and the whole LeadPops team in my corner. Keep up the great work guys!”

TO

Tom Pessemier5 months ago

“Tanner Orr, is the Best! Very knowledgeable and super helpful. He is also very patient and understanding. He has many qualifications. Too many for me to list at the moment now. I definitely recommend his services to anyone looking for a hard-working true professional in the digital marketing space, managing client relationships, building ad strategies and much more!”

JO

John Roberts5 months ago

“I've been a customer of LeadPops/RebelIQ for the past few years for my mortgage broker team website. Jasper Coraza and the development team are always very helpful and accommodating every time I need an update, and their rates are reasonable too. Recently Tanner Orr proactively reached out to me to offer a couple of awesome upgrades at no charge. I'm really thankful to have Tanner, Jasper, and the whole LeadPops team in my corner. Keep up the great work guys!”

TO

Tom Pessemier5 months ago

Make your mortgage
work for you again.

Andrew reviews your loan with you and tells you plainly whether to change it.

(619) 886-6985