Mortgage refinancing in Colorado
Make your mortgage fit where you are now
Change your rate or term, move to a fixed rate, or access your equity. We'll show you the costs and the break-even point before you decide.
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Reasons homeowners refinance
Refinancing has closing costs, so it makes sense when the benefit outweighs them over the time you expect to keep the loan.
- Lower your interest rate or monthly payment, when the market allows
- Shorten your loan term to build equity faster
- Access your home's equity for renovations or other expenses
- Consolidate higher-interest debt into your mortgage
- Switch from an adjustable rate to a fixed rate
- Remove mortgage insurance once you have enough equity
Refinance options
All loans are subject to credit approval and program guidelines.
Rate-and-term refinance
Change your interest rate, your loan term, or both.
- May lower your rate or payment
- Shorter or longer term
- Move from an ARM to a fixed rate
Cash-out refinance
Replace your mortgage with a larger one and take the difference in cash.
- Access your home's equity
- Flexible use of funds
- One loan and one payment
Streamline refinance
A simplified refinance for existing FHA loans or VA loans (IRRRL).
- Reduced documentation
- Often no appraisal required
- VA IRRRL funding fee of 0.5%
See whether refinancing makes sense for you
Start online and Andrew will compare your current loan against your options, including costs and break-even.