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Mortgage Refinancing

Mortgage refinancing can change your loan
to meet your needs

Your needs can change — so can your mortgage loan. Our simplified online application makes refinancing your home loan easy to get started.

If you’re ready to apply online, let’s go

Apply Now

Call 1-866-448-0571 or find a mortgage consultant in your area

Refinance Calculator

Mortgage interest rates can vary based on your circumstances. Use our refinance calculator to get customized refinance rates and monthly mortgage payments.

Consider your home refinance goals

What's your reason to refinance?

Maybe you want to lower your monthly payment, change the term of your loan, get a lower interest rate, or tap into the equity in your home for other expenses.

Why refinance your mortgage

“Couple learns the difference between home mortgage types”

Different loan options meet different needs

Interest rates can change. So can your cash flow – or your home’s value. Your situation may help you decide between home equity financing or a mortgage refinance.

See how home loan mortgages differ

Home Mortgage FAQs

If I have a Wells Fargo mortgage and want to refinance, will I have to pay closing costs again?

Yes. There are costs related to processing any new loan application; they can include fees paid to third parties, such as an appraiser, the title company, and other closing expenses.

How are interest rates determined?

Interest rates are influenced by the financial markets and can change daily – or multiple times within the same day. The changes are based on many different economic indicators in the financial markets. View our current interest rates.

What is an origination charge?

The origination charge is the amount charged for services performed on the initial loan application and loan processing. This includes all charges (other than discount points) that lenders and brokers involved in the transaction will receive for originating the loan. It includes any fees for application, processing, underwriting services, and payments from the lender for origination. Learn more about closing costs.

Still have questions?

Quick Help

Call Us

New Loans

1-866-448-0571
Mon – Fri: 7 am – 8 pm
Sat: 8 am – 6 pm
Central Time

Existing Loans

1-800-357-6675
Mon – Fri: 6 am – 10 pm
Sat: 8 am – 2 pm
Central Time

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If you are a service member on active duty, prior to seeking a refinance of your existing mortgage loan, please consult with your legal advisor regarding the relief you may be eligible for under the Servicemembers Civil Relief Act or applicable state law.

Loan-to-value ratio (LTV)

The amount you owe on your loan divided by your home's original value, which is either the price you paid for it or the appraised value at closing, whichever is less. This number is always expressed as a percentage.

Talk to a mortgage consultant