Step 1 — Refi Goal
What's your main reason for refinancing?
This shapes which refinance program we'll find for you.
📉Lower My Rate
Reduce monthly payment, save on interest
⏱Shorten My Term
Pay off faster, build equity sooner
💵Cash Out Equity
Tap equity for home improvement, debt, or other goals
🚫Remove PMI / MI
Drop mortgage insurance once equity hits 20%
🎖VA Streamline (IRRRL)
Veteran refinancing an existing VA loan
🔍Not Sure Yet
Let's figure out what makes sense
Step 2 — Home Value
What's your home's estimated current value?
A rough estimate is fine — this determines your loan-to-value ratio.
Step 3 — Equity
How much equity do you have in your home?
Equity = home value minus what you owe. An estimate is fine.
📊Less than 10%
Relatively new loan or low appreciation
📊~10 – 20%
Approaching PMI removal threshold
📊~20 – 40%
Solid equity position
📊40 – 60%
Strong equity — cash-out eligible
📊Over 60%
Excellent equity position
Step 4 — Credit
What's your approximate credit score?
Your best estimate is fine — no credit pull happens here.
⭐720 or above
Excellent — best refi rates
⭐680 – 719
Very good — strong options
⭐620 – 679
Good — conventional or FHA refi eligible
⭐580 – 619
Fair — FHA streamline may work
⭐Below 580
Let's talk — some options remain
Step 5 — Employment
What's your employment situation?
This helps us find the right lender and document your income for the refinance.
💼W-2 Employee
Salaried or hourly
🧾Self-Employed
Business owner or 1099
🌅Retired
Pension, Social Security, or investments
📋Other
Contract, part-time, etc.
Your Recommendation
Here's the refi we found for you
We're On It!
Your information has been submitted. I'll reach out within 24 hours with your refinance rate options and next steps.