Homeowners: Refinance & Home Equity
A second look at the loan you already have.
Mortgage health check
Your mortgage should keep up with your life. Let's touch base from time to time and make sure your loan still fits, whether that means improving your current terms, using equity for improvements or planning your next move.
Stock · homeowner on a lanai · adults only
Options
Refinancing
no body line in doc
Home equity line of credit
no body line in doc
Fixed-rate second mortgage
no body line in doc
Homeowner FAQs
How do I know if refinancing makes sense for me?
It depends on your goals, your current loan, closing costs and how long you plan to stay in the home. A mortgage health check is a good place to start: we'll review your current loan and see whether a change could help.
What's the difference between a home equity line of credit and a fixed-rate second mortgage?
A line of credit lets you draw funds as you need them, and its rate is typically variable. A fixed-rate second mortgage gives you a lump sum with a set rate and payment. Which fits better depends on how you plan to use the money.
Can I use my home equity for improvements or other goals?
Often, yes. Home equity lines of credit, fixed-rate second mortgages and renovation loans are all options, depending on your equity, credit and income.
I already have a mortgage with someone else. Can you still help?
Absolutely. Many homeowners come to me for a second look at a loan they already have. There's no obligation to make a change.
Ready to get started with a Smarti solution?
The pre-application is the first step to working with me. It takes a few minutes and your information is secure.
Start Your Pre-ApplicationAlready working with me?
Your secure portal is the preferred way to upload documents and keep your loan moving. It's more secure than email.
Upload Documents Securely