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Refinancing

From knowing when it's time to refi to calculating your breakeven point to getting cash out, we explain mortgage refinancing topics in plain English.
Mortgage Broker, Mortgage Banker, or Loan Officer? What's the Right Call?

Mortgage Broker, Mortgage Banker, or Loan Officer? What's the Right Call?

The differences can be subtle but crucial. Here’s what you need to know.
Ariel Frogge Feb 19, 2023
When Can I Refinance My Home?

When Can I Refinance My Home?

Discover the best time to refinance your home and the perks of doing it.
Ariel Frogge Feb 15, 2023
Make Your Home Renovations Come True With Cash-Out Refinancing

Make Your Home Renovations Come True With Cash-Out Refinancing

Cash-out refinancing could be your chance to complete your home renovation checklist.
Ariel Frogge Feb 15, 2023
How Often Can You Refinance Your Home?

How Often Can You Refinance Your Home?

Watch for these four signs to know when another home refinance might be worthwhile.
Craig Johnson Oct 20, 2022
Refi or Personal Loan to Vanquish Credit Card Debt?

Refi or Personal Loan to Vanquish Credit Card Debt?

Two popular strategies for escaping credit card debt are to refinance a mortgage or take out a personal loan.
Craig Johnson Aug 12, 2022
Refi Breakeven Point: How to Calculate Yours

Refi Breakeven Point: How to Calculate Yours

A mortgage refinance takes money in the form of closing costs, so when does the saving start?
Craig Johnson Aug 5, 2022
More Good Uses for a Cash-Out Refi (and One Bad Use)

More Good Uses for a Cash-Out Refi (and One Bad Use)

The cash from a cash-out refinance can put you on stable footing to make smart moves with your money.
Craig Johnson Jul 14, 2022

Home loans don't have to be complicated—and we prove it. Let us craft a loan that fits you like a glove. Then we guide you step by step, from quote to close.

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Rate Simple, Inc. NMLS ID #2232647. Equal Housing Lender. All rights reserved. Some products may not be available in all states. Programs and rates are subject to change without notice. Turn time estimates are not warranted or guaranteed. Some restrictions may apply. Underwriting terms and conditions apply and not all applicants will qualify. This is not a commitment to lend. For more licensing information, visit the Nationwide Multistate Licensing System's Consumer Access website www.nmlsconsumeraccess.org. For our licensing information and lists please visit: Our Licensing page

Rates displayed are subject to change and assumes that you are buying or refinancing an owner-occupied single family home, loan amount of $300,000, debt-to-income ratios of 35% or lower, asset and reserve requirements are met, and your property has a loan-to-value of 60% or less and loan meets all conforming loan requirements. The Annual Percentage Rate (APR) is based on the loan amount and may include up to 3 points. (Points include any origination, discount and lender fees.)