Refinance a loan
Change Your Rate or Term

Rate-and-Term Refinance

As a homeowner, you may qualify for several benefits that can yield substantial savings when you refinance your home. Refinancing may allow you to lower your monthly mortgage payments and keep more of your money in your pocket.

What you need to know about refinancing

Refinancing your home with a rate-and-term loan is when you replace your current mortgage with a new home loan. This new mortgage will come with different terms, a new interest rate, and a new monthly mortgage payment that is typically more affordable in the long run. Homeowners often look into this option when there is a drop in market interest rates to lower their monthly mortgage payments. Or, maybe you're looking to set a shorter or longer term for your loan.

There are also specific refinance options available for FHA loans, VA loans and USDA mortgages. Talk to a Certainty Loan Officer to evaluate your mortgage refinance options and find the best possible solution for your short and long-term financial goals.

*Certainty Home Lending is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government.