Refinance Your Mortgage

Now is the perfect time to consider tapping into the equity of your home to free up extra funds or lower your monthly payment. 

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Your Mortgage. Your Way.

Cash Out Refinance

If you have equity in your home and need to free up some funds, cash-out refinancing is a great option.

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

Lower My Payment

Interested in decreasing your monthly mortgage payments? That’s actually one of the most common reasons to refinance!

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

Shorten My Loan Term

Reduce your loan term by refinancing your mortgage, so you can pay off your home sooner.

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

Today’s Current Refinance Rates:

Why choose  Arbor Financial?

Arbor believes in investing back into the Southwest Michigan community. That’s why we offer:

  • Low and no down payment mortgage 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 your home loan

Already a homeowner? Refinancing feels very similar to when you applied for your first mortgage. When you apply, you’ll need to qualify for a specific mortgage type, secure an interest rate, and cover closing costs.

Use our mortgage refinance calculator today to get an approximate estimate for what a refinanced loan will look like. If you decide refinancing is right for you, there are a few additional steps to ensure you get the most from your refinanced mortgage.    

When you apply to refinance your mortgage, consider the following steps:

  1. Determine your financial goals
  2. Shop around for the right type of mortgage
  3. Talk to a mortgage lender for the best interest rates
  4. Secure your interest rate
  5. Agree upon loan terms and finalizing your loan