Refinance Your Home
Your home is an important financial investment. Refinancing your home loan can be a good way to manage your investment and lower your monthly payments, or payoff your mortgage faster. With personal, local service and no up-front costs, we’re here to help you get the mortgage that works for you and your budget.
HERE'S HOW IT WORKS:
Review Your Mortgage
We’ll help you decide if now is the right time to refinance.
Refinance to a Better Loan
Get a fixed interest rate and stabilize your monthly payment.
See Today's Rates
View our current interest rates for a mortgage refinance.
Review your Current Mortgage
Your dedicated Homewise Loan Officer will review your current mortgage and help you decide if now is the right time to refinance. If today’s interest rates are lower than your current mortgage, refinancing could save you money by lowering your monthly payments.
Think you can’t refinance because you owe more than your home is worth? Homewise participates in the HARP lending program, which may be a good option for you.
What is HARP?
Home Affordable Refinance Program (HARP) is a loan program that allows homeowners who have lost value in their home to refinance and take advantage of today’s lower interest rates. If you owe as much or more on your home than it’s worth, you may be able to refinance with HARP. Even if you’ve been denied in the past, you still may qualify and with HARP, an appraisal may not be needed.
Do I qualify for HARP?
There are a few questions you can ask yourself to determine if you may qualify for HARP.
- Is your mortgage owned by Fannie Mae?
- Did your mortgage loan close on or before May 31, 2009?
- Have you paid your mortgage on time during the last 12 months?
If you answered yes to the above questions, you may qualify for a HARP loan. A Homewise Loan Officer can review your current mortgage and determine if you qualify for a refinance through HARP. Take advantage of the services available at Homewise. As a non-profit organization, we can offer you a free consultation to see if refinancing makes sense for you. There’s no pressure to sell you a loan. We’re here to help you find the right mortgage for you and your budget.