Mortgage Refinance

Now is a great time to lower your monthly payment or save on interest. We make refinancing your current mortgage simple and easy.

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Your Mortgage. Your Way.

Cash Out Refinance

If you have equity in your home, you can get cash paid back.
— Good for —

  • Home improvements
  • Paying down higher interest debt
  • Down payment on second home
Cash Out

Lower My Payment

One of the most common reasons to refinance is to reduce your monthly mortgage payment.
— Good for —

  • Free up cash flow
  • Pay down debt
  • Save for the future
Trim Down Payments

Shorten My Loan Term

Reduce your loan term by refinancing and pay your house off sooner.
— Good for —

  • Preparing for retirement
  • Pay off your home faster
  • Pay less in interest
Reduce My Loan Term

Today’s Current Refinance Rates:

Why Arbor Financial?

  • Many loan terms are available
  • Low and no down payment options
  • Easy pre-approval and online applications
  • Local loan experts to help you navigate the process

"Having only been homeowners for a year prior to our refinance, we were a little nervous to go through the loan process. Arbor educated us on our options, walked us through the action items and communicated with us every step of the way. Kyle did an amazing job answering our constant questions and providing in depth explanations that we could understand. The entire process was smooth and timely. We were so impressed and are SO glad we made the change to Arbor Financial!"
- Joe G.
Couple with house key and moving box.
Couple on computer.

How to refinance

If you are already a homeowner, refinancing will feel like deja-vu. The refinance process is very similar to applying for your first purchase mortgage. When you apply, you will still need to qualify for your specific type of mortgage, secure an interest rate, and cover closing costs as necessary.

Using our mortgage refinance calculator, you can get a fairly accurate idea of what a refinanced loan may look like for you. If you have decided that refinancing is the right option, there are some simple steps to ensure that you get the most from your refinanced mortgage.

When applying to refinance your mortgage, make sure that you consider the following:

  1. Determining your financial goals
  2. Shopping around for the right type of mortgage
  3. Talking to a mortgage lender for the best interest rates
  4. Securing your interest rate
  5. Agreeing upon loan terms and finalizing your loan