Purchase a Home Refinance my Home Compare Mortgage Rates Find a Mortgage Consultant Purchase Calculator Refinance / 30 YEAR Lower your payments with a 30-year refinance Give your budget a break and save money on your monthly payments by replacing your current mortgage with a 30-year loan that can have better terms. GET STARTED Need to secure a lower interest rate or tap your equity for a home improvement project? A 30-year loan can help you with your financial goals. GET STARTED Take time to explore all of our different loan options. LOAN OPTION Conventional Ready to buy a home and have at least a 620 credit score? You may qualify for a conventional loan with as low as a 3% down payment. LOAN OPTION Jumbo If you live in a high-cost area or need a mortgage that exceeds conforming loan limits, a jumbo loan might be the right product for you. LOAN OPTION USDA Certain buyers may benefit from a USDA loan depending upon their income or the home’s location. Another bonus: No down payment is needed. 0% COMPLETE What type of loan are you interested in? REFINANCE PURCHASE Homeowners choose to refinance for a variety of reasons: to navigate financial crisis, secure lower interest rates or change the length of their loans. Refinancing can be used as a tool to save you money and potentially lower your mortgage payments. Apply and see how 30-year refinance rates can benefit you. What is a 30-Year Refinance? A 30-year refinance is the act of replacing an existing mortgage loan with a new loan likely with more favorable terms. To do this, a borrower takes out a new mortgage loan to pay off their existing mortgage. With new 30-year mortgage refinance rates, a borrower potentially can secure a lower monthly payment and can save money. Pros and Cons of 30-Year Refinance Rates and Terms There are many reasons a homeowner may choose to or not to refinance: Pros Lower, more affordable monthly payments Greater flexibility Put money toward savings Qualify for higher loan amounts Option to pay extra each month Predictable monthly mortgage payment Cons Pay more in interest over the life of the loan Slower to build home equity Payments for a longer period of time Reasons to Choose a 30-Year Refinance A 30-year refinance is a good thing to consider if your current interest rate is higher than the current 30-year refinance rates available. Refinancing to secure a lower interest rate or refinancing a current adjustable-rate mortgage to a fixed-rate mortgage could potentially save you money. 4064 Colony Rd. 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