What is Mortgage Refinance?

A refinance occurs when a business or person revises a payment schedule for repaying debt. Technically, the old loan is paid off and replaced with a new loan offering different terms.

A loan refinance switches an existing mortgage with a new one, and you can modify the loan with better interest rate, the term length, or cash out. Consulting with a loan officer will help you set clear financial pathways in order to choose the most suitable package to refinance your home mortgage.


There are numerous reasons to refinance based on clients needs. It could be

Pay less interest over the life of the loan
Change the duration of the loan or switching fixed or adjustable rate
Use equity on the property (cash-out)

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