Make Your Mortgage Work Better for You.
Whether you want to lower your payment, access your equity, or change your loan terms, we’ll help you explore your refinance options and find the right path forward.
Your Mortgage Should Keep Working for You.
Your financial needs can change over time, and your mortgage should be able to change with them.
Whether you’re looking to lower your monthly payment, access your home’s equity, change your loan term, or simply explore a better financing option, Premier Point helps you understand what refinancing could mean for you.
What Do You Want Your Refinance to Do?
I WANT TO LOWER MY MONTHLY PAYMENT
Explore refinancing options that may help reduce your monthly mortgage payment.
Explore Options
I WANT TO ACCESS MY HOME EQUITY
Put your available home equity to work for renovations, major expenses, or other financial goals.
Explore Options
I WANT TO CHANGE MY LOAN TERMS
Explore a different loan term or structure that better fits your financial goals today.
Learn More
I WANT TO CONSOLIDATE DEBT
See how your available home equity may help consolidate higher interest debt into one payment.
Explore Options
More Options. More Guidance. A Better Way Forward.
Multiple Refinance Options
We compare refinance solutions across our lending network to help identify options that fit your goals.
Goal Based Guidance
We start with what you want your refinance to accomplish before discussing a loan structure.
Clear Cost Comparison
Know what's happening, what's needed, and what comes next throughout the process.
Closing Focused
Our team works proactively to keep your refinance moving and help prevent last minute surprises.
A Clearer Path From Review to Closing
Review Your Goals
Tell us what you want to accomplish and let us review your current mortgage and financial picture.
Learn MoreCompare Your Options
We review potential loan structures, estimated costs, payments, and available refinance options.
Review My OptionsComplete Your Application
Complete your refinance application and provide the documents needed so our team can prepare your loan for underwriting.
Start My ApplicationClose on Your New Loan
Review your final terms, complete closing, and move forward with a mortgage designed around your current goals.
Start My RefinanceRefinance Options to Fit Your Needs
A Smarter Refinance Starts With the Right Information.
Helpful information to understand refinance costs, equity, potential savings, and the questions to ask before replacing your current mortgage.
Visit the Refinance Resource Center
When Does Refinancing Make Sense?
Learn what to compare when deciding whether the potential benefits of refinancing outweigh the costs.
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What Do I Need to Review My Options?
A complete checklist of the documents and information you'll need.
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What Does It Cost to Refinance?
Learn about common refinance closing costs and why the lowest rate is not always the lowest overall cost.
Read MoreAnswers to Common Refinance Questions
Straightforward answers to help you understand when refinancing may make sense and what to expect from the process.
01 How do I know if refinancing makes sense?
A refinance should be evaluated based on your goal, current loan, new loan terms, closing costs, how long you expect to keep the mortgage, and the potential monthly or long term benefit. We can help you compare the numbers before you decide.
02 Do I need equity in my home to refinance?
Equity requirements vary by loan program and by whether you are refinancing the rate and term or taking cash out. Your estimated home value and current mortgage balance are important parts of the review.
03 Can I take cash out when I refinance?
Potentially. A cash out refinance replaces your current mortgage with a new, larger loan and allows you to receive a portion of the difference in cash, subject to program guidelines, equity, qualification, and closing costs.
04 Does refinancing always lower my interest rate?
No. Some homeowners refinance for reasons other than a lower rate, such as accessing equity, changing the loan term, consolidating debt, or changing loan type. The full cost and benefit should be reviewed before moving forward.
05 How long does a refinance take?
Timing varies based on the loan program, documentation, property review or appraisal requirements, title work, and underwriting. Your loan officer can provide a more specific timeline after reviewing your refinance scenario.
Let's Find the Right Mortgage for You
Whether you're buying your first home or making your next move, we're ready to help you understand what's possible.
